# EDGAR Filing Document

**Accession Number:** 0002036019
**File Stem:** 0001104659-25-066661
**Filing Date:** 2025-7
**Character Count:** 5626548
**Document Hash:** 3f07490a1eed2e7be2910641ad6c75fd
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-066661.hdr.sgml**: 20250709

**ACCESSION NUMBER**: 0001104659-25-066661

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

**PUBLIC DOCUMENT COUNT**: 19

**CONFORMED PERIOD OF REPORT**: 20250709

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

**FILED AS OF DATE**: 20250709

**DATE AS OF CHANGE**: 20250709

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Hypo Depositor 1, LLC
- **CENTRAL INDEX KEY:** 0002036019

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07279
- **FILM NUMBER:** 251113277

**BUSINESS ADDRESS:**
- **STREET 1:** 90 PARK AVENUE
- **STREET 2:** FLOOR 23
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10016
- **BUSINESS PHONE:** 646-795-4064

**MAIL ADDRESS:**
- **STREET 1:** 90 PARK AVENUE
- **STREET 2:** FLOOR 23
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10016
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Hypo Depositor 1, LLC
- **CENTRAL INDEX KEY:** 0002036019

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 90 PARK AVENUE
- **STREET 2:** FLOOR 23
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10016
- **BUSINESS PHONE:** 646-795-4064

**MAIL ADDRESS:**
- **STREET 1:** 90 PARK AVENUE
- **STREET 2:** FLOOR 23
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10016
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Hypo Depositor 1, LLC
- **CENTRAL INDEX KEY:** 0002036019

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07279

**BUSINESS ADDRESS:**
- **STREET 1:** 90 PARK AVENUE
- **STREET 2:** FLOOR 23
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10016
- **BUSINESS PHONE:** 646-795-4064

**MAIL ADDRESS:**
- **STREET 1:** 90 PARK AVENUE
- **STREET 2:** FLOOR 23
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10016

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

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

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

◻ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _______ to _______

(Exact name of securitizer as specified in its charter)

Date of Report (Date of earliest event reported) <br> Commission File Number of securitizer:   <br> Central Index Key Number of securitizer:  

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

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

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

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

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

Central Index Key Number of depositor: <u>0002036019</u>

**NYMT Loan Trust 2025-CP1<br> (Exact name of issuing entity as specified in its charter)**

Central Index Key Number of issuing entity (if applicable):   <br> Central Index Key Number of underwriter (if applicable):  

<u> Nicholas Mah, President, (212) 792-0107</u> <br> Name and telephone number, including area code, of the person to <br> contact in connection with this filing.

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

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

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

**SIGNATURES**

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

Dated: July 9, 2025

---

| | |
|:---|:---|
| **HYPO Depositor 1, LLC** | **HYPO Depositor 1, LLC** |
| (Depositor) | (Depositor) |
| By:  | /s/ Nicholas Mah |
| Name: | Nicholas Mah |
| Title: | President |

---

****

<br> **EXHIBIT INDEX**

<u>Exhibit Number</u>

---

| | |
|:---|:---|
| [Ex. 99.1.](tm2520117d1_ex99-1.htm) | [AMC Narrative](tm2520117d1_ex99-1.htm) |
| [Ex. 99.2.](tm2520117d1_ex99-2.htm) | [AMC Compliance Report](tm2520117d1_ex99-2.htm) |
| [Ex. 99.3.](tm2520117d1_ex99-3.htm) | [Clayton Narrative](tm2520117d1_ex99-3.htm) |
| [Ex. 99.4.](tm2520117d1_ex99-4.htm) | [Clayton Report](tm2520117d1_ex99-4.htm) |
| [Ex. 99.5.](tm2520117d1_ex99-5.htm) | [Canopy Narrative](tm2520117d1_ex99-5.htm) |
| [Ex. 99.6.](tm2520117d1_ex99-6.htm) | [Canopy Report](tm2520117d1_ex99-6.htm) |
| [Ex. 99.7.](tm2520117d1_ex99-7.htm) | [Opus Narrative](tm2520117d1_ex99-7.htm) |
| [Ex. 99.8.](tm2520117d1_ex99-8.htm) | [Opus Report](tm2520117d1_ex99-8.htm) |

---

## Exhibit 99.1

**Exhibit 99.1**

![](tm2520117d1_ex99-1img001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMCD") or its subsidiary, through acquisition on December 18, 2015, JCIII & Associates, LLC ("JCIII"; formerly known as JCIII & Associates, Inc.; and together with AMC Diligence, LLC referred to collectively as "AMC") performed due diligence services as described below utilizing various scopes of review. All of these mortgage loans, which were originated by multiple parties, were purchased by New York Mortgage Trust, Inc. ("Client") in multiple bulk transactions and were reviewed by AMC on behalf of such party. The mortgage loans were reviewed via files imaged and provided by the Client or its designee for review.

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

The diligence review (the "Review") was conducted on a portion of the securitization mortgage loan population reviewed by AMC. The total population covered during the Review varied by mortgage loan scope. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC did not review all of the mortgage loans in the securitization loan population for a specific scope of review.

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

▪ "Compliance Review": 853 mortgage loans

Throughout the securitization process, the Client may have removed or added various mortgage loans from the securitization population for reasons that are unknown to AMC. AMC's disclosures herein reflect findings on the securitization population (as known by AMC) as of the date hereof.

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

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

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

Not applicable.

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

Not applicable.

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

Not applicable.

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

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

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

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![](tm2520117d1_ex99-1img001.jpg)

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014 (836 Mortgage Loans)</u>**

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

i) confirm current applicable HUD form was provided;

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

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

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

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![](tm2520117d1_ex99-1img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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

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

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

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014 (4 Mortgage Loans)</u>**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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![](tm2520117d1_ex99-1img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015 (13 Mortgage Loans)</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by AMC. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10. 2014** sections above plus:

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

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

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

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

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

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

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

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

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

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v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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

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

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

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

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

**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
 Disclosures; and

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

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

**SAFE ACT Review:** For applicable mortgage loans, AMC performed a SAFE ACT review by going to the NMLS site and verifying, if the information is available, if the broker (if applicable) and the originator were licensed at the time of mortgage loan origination. The NMLS site contains limited retroactive license information and may not have such information available for all originators. This review was completed based upon the information that was available and AMC does not represent or warranty as to the completeness or accuracy of information contained on the site.

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**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

There were 853 mortgage loans in the final compliance population reviewed by AMC. Of the 853 mortgage loans reviewed for compliance, 847 were reviewed by AMCD and 6 were reviewed by JCIII. AMCD utilized their current due diligence platform (Clarity – 788 loans) and their legacy due diligence platform (TIGRE – 59 loans) for this review.

**COMPLIANCE RESULTS SUMMARY (853 Mortgage Loans)**

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

***AMC Consolidated (853 Mortgage Loans)***

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;151 | &nbsp;&nbsp;17.70% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;620 | &nbsp;&nbsp;72.68% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;14 | &nbsp;&nbsp;1.64% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;68 | &nbsp;&nbsp;7.97% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**853** | &nbsp;&nbsp;**100.00%** |

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;151 | &nbsp;&nbsp;17.70% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;623 | &nbsp;&nbsp;73.04% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.29% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;68 | &nbsp;&nbsp;7.97% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**853** | &nbsp;&nbsp;**100.00%** |

---

***AMC Diligence, LLC – Clarity (788 Mortgage Loans)***

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;94 | &nbsp;&nbsp;11.93% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;613 | &nbsp;&nbsp;77.79% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;13 | &nbsp;&nbsp;1.65% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;68 | &nbsp;&nbsp;8.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**788** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;94 | &nbsp;&nbsp;11.93% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;616 | &nbsp;&nbsp;78.17% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;68 | &nbsp;&nbsp;8.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**788** | &nbsp;&nbsp;**100.00%** |

---

***AMC Diligence, LLC – TIGRE (59 Mortgage Loans)***

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch & DBRS NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;55 | &nbsp;&nbsp;93.22% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.08% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.69% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** |

---

***JCIII & Associates, LLC (6 Mortgage Loans)***

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch & DBRS NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE EXCEPTION SUMMARY (853 Mortgage Loans)**

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

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***AMC Diligence, LLC - Clarity (788 Mortgage Loans)***

The following exceptions were noted on the mortgage loans included in the Compliance Review performed by AMCD.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Fitch Final<br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;Missing, Incorrect, or Incomplete HUD-1 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;Incomplete File | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Note | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Compliance Grade (D) Exceptions:*** | &nbsp;&nbsp;***71*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;Missing, Incorrect, or Incomplete HUD-1 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;FHA MIP | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***20*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;403 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;389 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;343 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;184 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete GFE | &nbsp;&nbsp;147 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;141 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;119 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final TIL | &nbsp;&nbsp;97 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;84 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;76 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;LTV Test | &nbsp;&nbsp;65 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Final TIL Estimated | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Initial TIL | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TIL-MDIA | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Safe Act | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FHA | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***2224*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**2315** |

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**DBRS Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;Missing, Incorrect, or Incomplete HUD-1 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;Incomplete File | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Note | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Compliance Grade (D) Exceptions:*** | &nbsp;&nbsp;***71*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;Missing, Incorrect, or Incomplete HUD-1 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;FHA MIP | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***15*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;403 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;389 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;343 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;184 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete GFE | &nbsp;&nbsp;147 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;141 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;119 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final TIL | &nbsp;&nbsp;97 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;84 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;76 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;LTV Test | &nbsp;&nbsp;65 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Final TIL Estimated | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Initial TIL | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TIL-MDIA | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Safe Act | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FHA | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***2229*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**2315** |

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***AMC Diligence, LLC – TIGRE (59 Mortgage Loans)***

The following exceptions were noted on the mortgage loans included in the Compliance Review performed by AMCD.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**DBRS &<br> Fitch Final<br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;State Prepayment Defect | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;FHA | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**6** |

---

***JCIII & Associates, LLC (6 Mortgage Loans)***

The following exceptions were noted on the mortgage loans included in the Compliance Review performed by JCIII.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**DBRS &<br> Fitch Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Initial TIL | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***12*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**12** |

---

**ADDITIONAL SUMMARY (AMC Clarity Population – (788 Mortgage Loans)**

*Some % of Loans may not add to 100% due to rounding*

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;606 | &nbsp;&nbsp;76.90% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;181 | &nbsp;&nbsp;22.97% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**788** | &nbsp;&nbsp;**100.00%** |

---

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![](tm2520117d1_ex99-1img001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;787 | &nbsp;&nbsp;99.87% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**788** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;168 | &nbsp;&nbsp;21.32% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;126 | &nbsp;&nbsp;15.99% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;205 | &nbsp;&nbsp;26.02% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;148 | &nbsp;&nbsp;18.78% |
| &nbsp;&nbsp;Rate/Term Refinance - Lender Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;110 | &nbsp;&nbsp;13.96% |
| &nbsp;&nbsp;Construction to Permanent | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;21 | &nbsp;&nbsp;2.66% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**788** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;0-120 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;23 | &nbsp;&nbsp;2.92% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;18 | &nbsp;&nbsp;2.28% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;703 | &nbsp;&nbsp;89.21% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;40 | &nbsp;&nbsp;5.08% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**788** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;546 | &nbsp;&nbsp;69.29% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.68% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.63% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;74 | &nbsp;&nbsp;9.39% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Single-wide Manufactured Housing | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.68% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;18 | &nbsp;&nbsp;2.28% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;68 | &nbsp;&nbsp;8.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**788** | &nbsp;&nbsp;**100.00%** |

---

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![](tm2520117d1_ex99-1img001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;743 | &nbsp;&nbsp;94.29% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.30% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.02% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.40% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**788** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL SUMMARY (AMC TIGRE Population – 59 Mortgage Loans)**

*Some % of Loans may not add to 100% due to rounding*

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;Refinance Cash-out - Other | &nbsp;&nbsp;52 | &nbsp;&nbsp;88.14% |
| &nbsp;&nbsp;Refinance Rate/Term | &nbsp;&nbsp;7 | &nbsp;&nbsp;11.86% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;121-180 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.69% |
| &nbsp;&nbsp;181-240 | &nbsp;&nbsp;24 | &nbsp;&nbsp;40.68% |
| &nbsp;&nbsp;241-360 | &nbsp;&nbsp;34 | &nbsp;&nbsp;57.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;50 | &nbsp;&nbsp;84.75% |
| &nbsp;&nbsp;Manufactured Housing | &nbsp;&nbsp;6 | &nbsp;&nbsp;10.17% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.08% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** |

---

14 \| P a g e

![](tm2520117d1_ex99-1img001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL SUMMARY (JCIII Population – 6 Mortgage Loans)**

*Some % of Loans may not add to 100% due to rounding*

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Rate/Term Refinance | &nbsp;&nbsp;3 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

## Exhibit 99.2

**Exhibit 99.2**

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Unique ID | loan_id | Originator | Lien | ARMorFix | Purpose at Origination | Occupancy at Origination | Origination Date | fpdate | State | Zip | OrigBal | pppflag | pppterm | Compliance Event | Compliance Exceptions | Compliance Comments | Eligible For Predatory Testing - Unable to Test | Compliance Comp Factors | Category | S&P Compliance Grade |
| 285625641 | XXX | XXX | First | FIXED | Rate/Term Refi | Owner Occ | 6/XX/2007 | 8/XX/2007 | MD | XXX | XXX | NO | \*Not Applicable | 2 | [2] State - Missing Application Disclosure<br> [2] State - Missing Right to Choose Attorney or Title Insurance Company<br> [2] State - Missing Wet Settlement / Delivery of Net Proceeds Authorization<br> [2] State - Missing Licensee Information or Affidavit of Exemption<br> [2] State - Missing Net Tangible Benefit Worksheet |  |  |  |  | RB |
| 285625643 | XXX | XXX | First | FIXED | Purchase | Owner Occ | 11/XX/2006 | 1/XX/2007 | GA | XXX | XXX | NO | \*Not Applicable | 2 | [2] Initial TIL Missing |  |  |  |  | RB |
| 285625640 | XXX | XXX | First | FIXED | Purchase | Owner Occ | 4/XX/2008 | 6/XX/2008 | MA | XXX | XXX | NO | \*Not Applicable | 2 | [2] Initial TIL Date not within 3 days of Initial Application Date<br> [2] Initial GFE Date not within 3 days of Initial Application Date<br> [2] State - Missing Loan Application Supplemental Disclosure<br> [2] State - Missing Mtg Lender Disclosures Required by Atty General Consumer Protection Regulations |  |  |  |  | RB |
| 285625644 | XXX | XXX | First | FIXED | Rate/Term Refi | Owner Occ | 9/XX/2007 | 11/XX/2007 | IL | XXX | XXX | YES | 36 | 2 | [2] Initial TIL Missing<br> [2] State - Missing Description of Underwriting Criteria and Required Documentation<br> [2] HMDA-reportable rate spread (1/XX/04-10/XX/09) |  |  |  |  | RB |
| 285625645 | XXX | XXX | First | ARM | Rate/Term Refi | Owner Occ | 8/XX/2007 | 9/XX/2007 | PA | XXX | XXX | YES | 36 | 2 | [2] HMDA-reportable rate spread (1/XX/04-10/XX/09) |  |  |  |  | RA |
| 285625638 | XXX | XXX | First | FIXED | Purchase | Investment Property | 10/XX/2005 | 12/XX/2005 | PA | XXX | XXX | YES | 60 | 2 | [2] HMDA-reportable rate spread (1/XX/04-10/XX/09) |  |  |  |  | RA |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Unique ID | loan_id | Borrower Last Name | Overall Event | Final Credit Event | Credit Exceptions | Credit Comments | Final Compliance Event | Compliance Exceptions | Compliance Comments | Eligible For Predatory Testing - Unable to Test | Compliance Comp Factors | State | Origination Date | Purpose at origination | Occupancy at origination | LTV Original (Calculated) | LTV Combined Orig (Calculated) | Debt (Back) Ratio From 1008 |
| 285625641 | XXX | XXX | 2 | 1 |  |  | 2 | [2] State - Missing Application Disclosure<br> [2] State - Missing Right to Choose Attorney or Title Insurance Company<br> [2] State - Missing Wet Settlement / Delivery of Net Proceeds Authorization<br> [2] State - Missing Licensee Information or Affidavit of Exemption<br> [2] State - Missing Net Tangible Benefit Worksheet |  |  |  | MD | 6/XX/2007 | Rate/Term Refi | Owner Occ | 79.8 | 79.8 | 57.84 |
| 285625643 | XXX | XXX | 2 | 1 |  |  | 2 | [2] Initial TIL Missing |  |  |  | GA | 11/XX/2006 | Purchase | Owner Occ | 68.33 | 68.33 | 46.66 |
| 285625640 | XXX | XXX | 3 | 3 | [3] MI Missing |  | 2 | [2] Initial TIL Date not within 3 days of Initial Application Date<br> [2] Initial GFE Date not within 3 days of Initial Application Date<br> [2] State - Missing Loan Application Supplemental Disclosure<br> [2] State - Missing Mtg Lender Disclosures Required by Atty General Consumer Protection Regulations |  |  |  | MA | 4/XX/2008 | Purchase | Owner Occ | 97 | 97 | 43.82 |
| 285625644 | XXX | XXX | 2 | 1 |  |  | 2 | [2] Initial TIL Missing<br> [2] State - Missing Description of Underwriting Criteria and Required Documentation<br> [2] HMDA-reportable rate spread (1/XX/04-10/XX/09) |  |  |  | IL | 9/XX/2007 | Rate/Term Refi | Owner Occ | 90 | 90 | 55.26 |
| 285625645 | XXX | XXX | 2 | 1 |  |  | 2 | [2] HMDA-reportable rate spread (1/XX/04-10/XX/09) |  |  |  | PA | 8/XX/2007 | Rate/Term Refi | Owner Occ | 90 | 90 | 38.12 |
| 285625638 | XXX | XXX | 2 | 1 |  |  | 2 | [2] HMDA-reportable rate spread (1/XX/04-10/XX/09) |  |  |  | PA | 10/XX/2005 | Purchase | Investment Property | 77.5 | 90 |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| JCIII ID | loan_id | Rating | Type | Exception | Credit Comments | Compliance Comments | Eligible For Predatory Testing - Unable to Test | Compliance Comp Factors | Origination Date | State |
| 285625641 | XXX | Non Critical | Compliance | [2] State - Missing Application Disclosure |  |  |  |  | 6/XX/2007 | MD |
| 285625641 | XXX | Non Critical | Compliance | [2] State - Missing Licensee Information or Affidavit of Exemption |  |  |  |  | 6/XX/2007 | MD |
| 285625641 | XXX | Non Critical | Compliance | [2] State - Missing Net Tangible Benefit Worksheet |  |  |  |  | 6/XX/2007 | MD |
| 285625641 | XXX | Non Critical | Compliance | [2] State - Missing Right to Choose Attorney or Title Insurance Company |  |  |  |  | 6/XX/2007 | MD |
| 285625641 | XXX | Non Critical | Compliance | [2] State - Missing Wet Settlement / Delivery of Net Proceeds Authorization |  |  |  |  | 6/XX/2007 | MD |
| 285625643 | XXX | Non Critical | Compliance | [2] Initial TIL Missing |  |  |  |  | 11/XX/2006 | GA |
| 285625640 | XXX | Critical | Credit | [3] MI Missing |  |  |  |  | 4/XX/2008 | MA |
| 285625640 | XXX | Non Critical | Compliance | [2] Initial GFE Date not within 3 days of Initial Application Date |  |  |  |  | 4/XX/2008 | MA |
| 285625640 | XXX | Non Critical | Compliance | [2] Initial TIL Date not within 3 days of Initial Application Date |  |  |  |  | 4/XX/2008 | MA |
| 285625640 | XXX | Non Critical | Compliance | [2] State - Missing Loan Application Supplemental Disclosure |  |  |  |  | 4/XX/2008 | MA |
| 285625640 | XXX | Non Critical | Compliance | [2] State - Missing Mtg Lender Disclosures Required by Atty General Consumer Protection Regulations |  |  |  |  | 4/XX/2008 | MA |
| 285625644 | XXX | Non Critical | Compliance | [2] HMDA-reportable rate spread (1/XX/04-10/XX/09) |  |  |  |  | 9/XX/2007 | IL |
| 285625644 | XXX | Non Critical | Compliance | [2] Initial TIL Missing |  |  |  |  | 9/XX/2007 | IL |
| 285625644 | XXX | Non Critical | Compliance | [2] State - Missing Description of Underwriting Criteria and Required Documentation |  |  |  |  | 9/XX/2007 | IL |
| 285625645 | XXX | Non Critical | Compliance | [2] HMDA-reportable rate spread (1/XX/04-10/XX/09) |  |  |  |  | 8/XX/2007 | PA |
| 285625638 | XXX | Non Critical | Compliance | [2] HMDA-reportable rate spread (1/XX/04-10/XX/09) |  |  |  |  | 10/XX/2005 | PA |

---

![](tm2520117d1_ex99-2img003.jpg)

**Loan Level Exception - Disposition**

**Run Date - 6/XX/2025 3:59:58 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Borrower Name** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 1** | **Disposition 2** |
| 285625728 | XXX | XXX |  | XXX | $XXX | NC | 9/XX/2017 | Primary | Refinance Cash-out - Other | Safe Harbor QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided | Defect reason provided on tape has not been confirmed - an updated credit report reflected an undisclosed mortgage liability of $XXX/month; this increases the DTI above tolerance and the loan is Ineligible. | SELLER - GENERAL COMMENT (2018/XX/24): Exception referred to Buyer for review and disposition.<br> Please waive – Exception Related to defect stated<br> BUYER - WAIVED COMMENT (2018/XX/08): Defect was priced for at the time of bid. | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Final Closing Disclosure Negative Fees: TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on 09/XX/2017 disclosed a negative fee amount. (Final/09/XX/2017) | Federal Compliance - TRID Final Closing Disclosure Negative Fees: Final Closing Disclosure provided on 09/XX/2017 disclosed a negative fee amount disclosed in section H | SELLER - GENERAL COMMENT (2018/XX/24): Escrow rollovers are a credit, and should, therefore, be reflected as a negative number.<br> REVIEWER - GENERAL COMMENT (2018/XX/24): Exception referred to Buyer for review and disposition. | Federal Compliance - TRID Final Closing Disclosure Negative Fees: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |
| 285625729 | XXX | XXX |  | XXX | $XXX | NY | 5/XX/2006 | Primary | Purchase |  | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> [3] Mortgage / Program Eligibility - Missing Document: Note - Subordinate Lien not provided<br> [3] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | The most recent valuation inspection is dated prior to the most recent FEMA disaster.<br> Subordinate Lien Note was not provided.<br> Purchase contract is missing.<br> Defect reason provided on tape has been confirmed. CLTV (79.697%) and HCLTV (79.697%) exceeds standard eligibility requirements per FNMA for a 3-4 unit property. The LTV cannot exceed 75%. |  | 1 |  |  |  | 2 | [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.84527% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .84527%). | Federal Compliance - FNMA Points and Fees : Points and Fees on subject loan of 5.84527% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. |  |  |  |  |  |  |
| 285625730 | XXX | XXX |  | XXX | $XXX | NV | 2/XX/2018 | Primary | Purchase | Higher Priced QM | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [3] Application / Processing - Missing Document: Fraud Report not provided<br> [3] Credit Documentation - No evidence of fraud report in file: Credit Report: Original // Borrower: XXX | HFA Loan. Undisclosed debt obtained prior to closing. AUS updated now Refer/Caution. Manual Underwrite not allowed. Final DTI is 40.02%. Actual findings: A post close credit report dated 05/XX18 Disclosed 2 undisclosed debts opened 2/2018. One installment with a payment of $XXX and a balance of $XXX and one revolving with a $XXX payment, a balance of $XXX and limit of $XXX. DTI including undisclosed debt is 57.94152%. Unable to verify if it was discovered prior to closing. Borrower acknowledged the credit inquiries but no new debt was acknowledged. A post closed Verification of Deposit/Statement reflects the revolving account was opened on 2/XX/18 and the date of consummation was 2/XX/18.<br> The Fraud Report is missing from the loan file. | REVIEWER - GENERAL COMMENT (2018/XX/28): The seller provided the Credit Report Please provide the Fraud Report<br> REVIEWER - GENERAL COMMENT (2018/XX/28): The seller provided the Credit Report Please provide the Fraud Report | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/02/XX/2018)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Compliance Audit / Quality Control Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (75108) | Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: The Final CD reflected an annual hazard amount of $XXX and a monthly amount of $XXX. The actual hazard premium is $XXX, or $XXX monthly. A post close CD dated 6/XX/18 disclosed the corrected amount as $XXX with a monthly amount of $XXX. | REVIEWER - CURED COMMENT (2018/XX/12): The seller provided correct PCCD dated 6/XX/2018 | Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |
| 285625731 | XXX | XXX |  | XXX | $XXX | CO | 10/XX/2017 | Primary | Refinance Cash-out - Debt Consolidation | Non QM | 3 | 3 | [3] Guideline Issue - Aged document: Asset Account is more than 120 days prior to the note.: Financial Institution: XXX // Account Type: 401(k)/403(b) Account / Account Number: XXX<br> [3] Application / Processing - Missing Document: General Services Administration (GSA) not provided<br> [3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided<br> [3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided<br> [1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured | Retirement Account / End Date: 05/XX/2017 // Account Type: 401(k)/403(b) Account / Account Number: XXX: Asset Account date is more than 120 days prior to the Note date or notary date of 10/XX/2017 and is not a quarterly statement with prior balance.<br> GSA search results was not provided to verify information at the time of review.<br> LDP search results was not provided to verify information at the time of review.<br> Defect reason provided and has been confirmed - Loan not eligible for FHA Insurance due to 1x30 within last 12 mos from Note date. |  | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2017 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/10/XX/2017) | Federal Compliance - Check Loan Designation Match - QM: Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> Federal Compliance - HUD QM AU Finding Fail: Mortgage was 1x30 within 12 mos from Note date.<br> Federal Compliance - QM DTI: U/W missed a mortgage late in 5/2017, which deems the loan ineligible for FHA.<br> Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: Cash to Close table did not disclose the correct dollar figure for Closing Costs Financed (Paid from your Loan Amount). |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625732 | XXX | XXX |  | XXX | $XXX | OR | 10/XX/2017 | Primary | Purchase | VA Safe Harbor QM | 3 | 3 | [3] Government Documentation - Loan Guaranty Certificate is missing.: Disclosure: VA - Loan Guaranty Certificate (Government Documents)<br> [3] Application / Processing - Missing Document: Divorce Decree / Child Support not provided<br> [3] Application / Processing - Missing Document: Foreclosure not provided<br> [3] Government Documentation - VA Loan Disbursement Form 26- 1820 is not compliant.: Disclosure: VA - Loan Disbursement Form 26- 1820 (Government Documents)<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Exception fired due to loan defect, Referred to buyer for final review and disposition.<br> 1003 Shows borrowers are obligated to pay child support<br> Per 1003 Borrowers disclosed a Foreclosure in the past 7 years on the application, no other details regarding foreclosure have been provided.<br> Form must reflect accurate information and be properly signed by both the lender and borrower to be compliant. This form was not singed by the lender.<br> Defect reason provided on tape has been confirmed - Not Guaranteed. Veteran has no unencumbered entitlement. | BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception. | 1 |  |  |  | 2 | [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77183)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Release Tracking Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77211)<br> [1] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [1] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.<br> [1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2017 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/10/XX/2017)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/XX/2017)<br> [1] Federal Compliance - TRID Loan Estimate Esign Consent Agreement Timing: ESIGN Act - Loan Estimate provided on 10/XX/2017 was electronically provided prior to borrower's consent to receive electronic disclosures. (Interim/10/XX/2017)<br> [1] Federal Compliance - TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD: TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/10/XX/2017) | Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: There is no evidence that the Loan Originator Compensation disclosure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Title - Service Charges Fee Amount of $XXX exceeds tolerance of $XXX. No cure or valid Change of Circumstance was provided to the borrower for this Seller paid fee.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Title - Release Tracking Fee Amount of $XXX exceeds tolerance of $XXX. No cure or valid Change of Circumstance was provided to the borrower for this Seller paid fee.<br> Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: Initial escrow account statement reflects $XXX while Final Closing Disclosure reflects $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: Final Closing Disclosure provided on 10/XX/2017 disclosed a Total Interest Percentage of 86.866% that does not match the actual total interest percentage for the loan of 66.72%. This is because the disclosed TIP was based on the prepaid interest amount of $XXX and the actual total interest percentage did not factor this amount in. The prepaid interest was paid by the Seller at closing.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Final Closing Disclosure provided on 10/XX/2017 did not disclose an amount by which the Total Closing Costs exceeded the legal limit.<br> Federal Compliance - TRID Loan Estimate Esign Consent Agreement Timing: Unable to determine consent for Broker e-sign; date is based on documented acceptance from Lender tracking.<br> Federal Compliance - TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD: The Seller's CD reflects fees totaling $XXX, while the Buyer's CD reflects $XXX, a difference of $XXX. The Buyer CD includes $XXX in fees paid by the Seller which are not detailed in the Seller CD (Seller Credit of $XXX on page 1). The Seller CE includes $XXX in fees not reflected in the Buyer's CD. The net difference is $XXX. | BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception. | Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $XXX in the case of an individual transaction, or the lesser of $XXX or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $XXX or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |
| 285625733 | XXX | XXX |  | XXX | $XXX | FL | 1/XX/2017 | Primary | Purchase | Non QM | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.<br> [3] Application / Processing - Missing Document: Fraud Report not provided<br> [3] Credit Documentation - No evidence of fraud report in file: Credit Report: Original // Borrower: XXX<br> [3] Credit Documentation - No evidence of fraud report in file: Credit Report: Original // Borrower: XXX<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided | The file does not include a Post-Disaster Inspection.<br> Dwelling coverage on HO-3 insufficient, short $XXX of $XXX estimated cost new provided by appraiser.<br> The file did not contain Fraud Reports for the borrowers, unable to confirm whether red flag data was addressed.<br> The file did not contain Fraud Reports for the borrowers, unable to confirm whether red flag data was addressed.<br> The file did not contain Fraud Reports for the borrowers, unable to confirm whether red flag data was addressed.<br> Unable to to confirm defect reason with documents in file - HFA Loan. Additional debt acquired after credit run but before closing; DTI > 45% which makes it ineligible for the bond program. | BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception. | 1 |  |  |  | 3 | [3] Federal Compliance - Appendix Q Liabilities - Less than 10 Months: Qualified Mortgage (Dodd-Frank 2014): Liabilities lasting less than ten (10) months that have an effect on the consumer's ability to repay have been excluded from DTI calculation.<br> [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/20/2016)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/01/XX/2017)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Lien Search. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77220)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Statutory Surcharge. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77219)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/XX/2017)<br> [1] Federal Compliance - TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD: TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/01/XX/2017) | Federal Compliance - Appendix Q Liabilities - Less than 10 Months: The Borrower's auto loan with XXX was excluded from the ratios because there are less than 10 months payments left, however, the inclusion of this payment would cause the ratio to increase to 46% which exceeds the maximum allowable of 45% for Community Seconds.<br> Federal Compliance - Check Loan Designation Match - QM: Compliance Report. indicated the loan was originated as Safe Harbor QM, however, due to Appendix Q issue and debt added after application, the review findings indicate Non-QM. The Defect is valid.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is no evidence in file as to the date the Borrower received the copy of the appraisal.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Evidence of earlier receipt missing from file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No cure provided for overage, transfer tax added without VCC.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No cure provided for overage, tax lien search fee added without VCC.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No cure provided for overage, statutory surcharge fee added without VCC.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Figure not provided, field blank. No cure provided for overages.<br> Federal Compliance - TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD: Seller paid fees in the Seller CD totaled $XXX; Seller paid fees in the Buyer's CD totaled $XXX, a difference of $XXX caused primarily by Seller payments to Third parties not reflected in the Buyer's CD. In addition, several fees in common reflected different totals and were adjusted for compliance testing. | BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception. | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625734 | XXX | XXX |  | XXX | $XXX | OK | 8/XX/2018 | Primary | Purchase | Higher Priced QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Does not meet FNMA. MFH that is in an individual lot. It must be in an approved PUD or Condo neighborhood. | BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception. | 1 |  |  |  | 3 | [3] State Compliance - (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 6.41860% or Final Disclosure APR of 6.48600% is in excess of allowable threshold of APOR 4.55% + 1.5%, or 6.05000%. Non-Compliant Higher Priced Loan.<br> [3] State Compliance - Oklahoma HPML PreDF Ability to Repay Reliable Documentation: Oklahoma Higher-Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation.<br> [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/XX/2018)<br> [1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/08/XX/2018) | State Compliance - Oklahoma HPML PreDF Ability to Repay Reliable Documentation: Borrower provided Award Letters, 1099's and bank statements which support the income and assets used for qualifying, DTI is within state requirements, however, the property does not meet FNMA requirements for Single Wide MFH as it is not in an approved PUD or Condo development.<br> Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: LO Compensation Disclosure is missing.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Insufficient or no cure was disclosed to the borrower for under disclosure of fees.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Transfer Taxes were disclosed on Loan Estimate at $XXX, but increased to $XXX on final Closing Disclosure with an insufficient cure disclosed.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal fee was disclosed on Loan Estimate at $XXX, but increased to $XXX on final Closing Disclosure. However, a credit of $XXX was disclosed as a cure.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: The Final CD did not disclose various 0% ($XXX) or 10% ($XXX) tolerance violations which were due to the borrower.<br> Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: There are not seller paid fees reflected on Borrower's final CD. All seller paid fees are reflected on Seller's CD. | BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> SELLER - GENERAL COMMENT (2018/XX/05): CD, please clarify what fees you're looking at<br> REVIEWER - GENERAL COMMENT (2018/XX/06): Per review scope, Seller paid fees are to be included in TRID testing. Lender provided a tolerance cure of $XXX at closing which is sufficient to cover all of the borrower's actual zero and ten percent tolerance violations. However, the state transfer tax paid by the Seller for $XXX is creating zero and ten percent tolerance violations which the tolerance cure does not cover. Referring to buyer for review and disposition.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> SELLER - GENERAL COMMENT (2018/XX/05): Transfer taxes actually decreased on the final CD to 66.80<br> REVIEWER - GENERAL COMMENT (2018/XX/06): Per review scope, Seller paid fees are to be included in TRID testing. Lender provided a tolerance cure of $XXX at closing which is sufficient to cover all of the borrower's actual zero and ten percent tolerance violations. However, the state transfer tax paid by the Seller for $XXX is creating zero and ten percent tolerance violations which the tolerance cure does not cover. Referring to buyer for review and disposition.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/06): Let us know if you need us to do anything. As the pend reads, there was a lender credit.<br> REVIEWER - GENERAL COMMENT (2018/XX/07): Exception is pending Buyer's response. No response has been received as of yet.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/06): Buyer has elected to waive this exception. | Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $XXX in the case of an individual transaction, or the lesser of $XXX or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $XXX or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | State - NC |
| 285625735 | XXX | XXX |  | XXX | $XXX | FL | 6/XX/2018 | Second Home | Purchase | Safe Harbor QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Undisclosed foreclosure on borrower's credit history. Not able to document extenuating circumstances. | BUYER - GENERAL COMMENT (2018/XX/17): Acknowledged<br> REVIEWER - WAIVED COMMENT (2018/XX/18): Buyer accepted the exceptions | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Final Closing Disclosure Prepaid Interest: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2018 disclosed prepaid interest under Prepaids that does not match calculated figures. (Final/06/XX/2018) | Federal Compliance - TRID Final Closing Disclosure Prepaid Interest: The Closing dated Dated 6/XX/2018 reflects incorrect calculations regarding the Prepaid Interest in Section F. The interest collected is $XXX; however, the correct amount is $XXX85 per day for 14 days (6/18-6/30)=$XXX. ------- Final CD reflects interest from 06/XX/2018 through 06/XX/2018, not 07/XX/2018. Condition remains. | SELLER - GENERAL COMMENT (2018/XX/21): our system is making the daily interest 13 days per attached screenshot. 06/XX to the first of July is XX days<br> SELLER - GENERAL COMMENT (2018/XX/29): response from our compliance department<br> REVIEWER - GENERAL COMMENT (2018/XX/30): The final CD reflects prepaid daily interest of $XXX85/day. Prepaid interest collected as reflected on the final CD is from 06/XX/2018 through 06/XX/2018 which is XX days which would equal the correct amount of $XXX. CD does not reflect interest was collected through 07/XX/2018. Condition remains.<br> BUYER - GENERAL COMMENT (2018/XX/03): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/03): Buyer waived exception | Federal Compliance - TRID Final Closing Disclosure Prepaid Interest: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |
| 285625736 | XXX | XXX |  | XXX | $XXX | TX | 8/XX/2017 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX is less than amount of binding Lender Credit previously disclosed in the amount of -$XXX. (9300)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520)<br> [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2017)<br> [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/XX/2017) | Federal Compliance - TRID Lender Credit Tolerance Violation: Tolerance exceeded for Lender Credits.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Insufficient or no cure.<br> Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: Final Closing Disclosure provided on 08/XX/2017 did not disclosed an amount by which the Total Closing Costs exceeded the legal limit. | BUYER - GENERAL COMMENT (2019/XX/25): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/28): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/25): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/28): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/25): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/28): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/25): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/28): The buyer has elected to waive this exception. | Federal Compliance - TRID Lender Credit Tolerance Violation: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |
| 285625737 | XXX | XXX |  | XXX | $XXX | MS | 2/XX/2018 | Primary | Purchase | HUD Safe Harbor QM | 3 | 3 | [3] Government Documentation - FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents)<br> [3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided<br> [3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. | Missing real estate broker signature.<br> Missing the LDP.<br> Missing the Mortgage Insurance Certificate.<br> Missing the Mortgage Insurance Certificate. | BUYER - GENERAL COMMENT (2019/XX/25): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/28): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/25): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/28): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/25): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/28): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/25): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/28): The buyer has elected to waive this exception. | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |
| 285625738 | XXX | XXX |  | XXX | $XXX | IA | 3/XX/2018 | Primary | Refinance Rate/Term | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Due diligence review confirms that there was a 1x30 late payment for 7/1 to XXX. Unable to confirm that Income used on the AUS was not supported, however, it is noted that the Balance Sheet was blank and Financial Ratios were unable to be calculated. | BUYER - GENERAL COMMENT (2019/XX/05): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/06): Buyer accepted the exceptions | 1 |  |  |  | 3 | [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer agency eligible – please advise which guidelines are applicable | BUYER - GENERAL COMMENT (2019/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/06): The buyer has elected to waive this exception. |  |  |  | Out | TILA ATR/QM |
| 285625739 | XXX | XXX |  | XXX | $XXX | OK | 11/XX/2017 | Primary | Refinance Cash-out - Other | VA Safe Harbor QM | 3 | 3 | [3] Government Documentation - Loan Guaranty Certificate is missing.: Disclosure: VA - Loan Guaranty Certificate (Government Documents)<br> [3] Application / Processing - Missing Document: General Services Administration (GSA) not provided<br> [3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided<br> [3] Government Documentation - VA Loan Disbursement Form 26- 1820 is not compliant.: Disclosure: VA - Loan Disbursement Form 26- 1820 (Government Documents)<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Loan Guaranty Certificate not provided in file, and was not issued as of 1/XX/19 per search in file.<br> Due diligence confirms time between first payment of prior and current loan is less than 210 days; | BUYER - GENERAL COMMENT (2019/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/06): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/06): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/06): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/05): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/06): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/05): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/06): Buyer accepted the exceptions | 1 |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  | BUYER - GENERAL COMMENT (2019/XX/05): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/06): The buyer has elected to waive this exception. | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  |  |
| 285625740 | XXX | XXX |  | XXX | $XXX | UT | 12/XX/2018 | Primary | Refinance Rate/Term | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Defect reason provided on tape has been confirmed: 2016 tax returns do not match 2016 tax transcripts. There is a mismatch for different income types and total income. Taxable income and tax paid are also a mismatch. | BUYER - GENERAL COMMENT (2019/XX/13): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/13): Buyer accepted the exceptions | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership)<br> [3] Federal Compliance - Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership)<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C)<br> [2] Federal Compliance - TRID Final Closing Disclosure Partial Payments: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 12/XX/2018 incorrectly disclosed whether the loan allows for Partial Payments. (Final/12/XX/2018) | Federal Compliance - Check Loan Designation Match - QM: The subject loan is no longer agency salable, therefore additional income or asset documentation may be required.<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer agency eligible – please advise which guidelines are applicable<br> Federal Compliance - Partnership Income Documentation Test: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.<br> Federal Compliance - Partnership Income Documentation Test: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.<br> Federal Compliance - QM DTI: Loan is no longer agency eligible – please advise which guidelines are applicable<br> Federal Compliance - Sole Proprietorship Income Documentation Test: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.<br> Federal Compliance - TRID Final Closing Disclosure Partial Payments: Partial Payment Section was not completed on final CD. | BUYER - GENERAL COMMENT (2019/XX/13): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/13): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/13): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/13): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/13): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/13): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/13): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/13): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/13): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/13): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/13): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/13): The buyer has elected to waive this exception.<br> SELLER - GENERAL COMMENT (2019/XX/14): Post Consummation CD<br> REVIEWER - GENERAL COMMENT (2019/XX/15): Received PCCD which clears violation, however to cure, a copy of the letter to the borrower explaining the issue is required.<br> SELLER - GENERAL COMMENT (2019/XX/26): email to borrower<br> REVIEWER - CURED COMMENT (2019/XX/27): Received corrected PCCD and subsequent email sent to borrower explaining the error. | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - TRID Final Closing Disclosure Partial Payments: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625741 | XXX | XXX |  | XXX | $XXX | FL | 5/XX/2018 | Primary | Purchase | Safe Harbor QM | 3 | 3 | [3] Asset Documentation - Asset Issue: Gift funds are missing evidence of receipt<br> [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [3] Miscellaneous - Credit Exception:<br> [3] Application / Processing - Missing Document: Note - Senior Lien not provided<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Missing Gift funds transfer of the amount $XXX<br> The borrower's Mother was the realtor on sales contract and supplied the gift funds for down payment. Agency guidelines does not allow an interested party to give gift for down payment. This makes this a non-arms length transaction. Without the gift the borrower is short assets.<br> The file did not contain a copy of the lender's guidelines for subordinate liens; unable to determine if the loan was qualified in adherence with the guidelines.<br> missing 1st Lien note for the 1st $XXX<br> Defect reason provided on tape has been confirmed as the borrower's mother was the realtor on the sales contract and supplied the gift funds for down payment. Agency guidelines do not allow an interested party to give a gift for down payment. this makes this a non-arms length transaction. | BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/08): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/08): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/08): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/08): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/08): The buyer has elected to waive this exception. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 1,980.00 on Final Closing Disclosure provided on 05/XX/2018 not accurate. (Final/05/XX/2018)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/714797)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/714797)<br> [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXX on Final Closing Disclosure provided on 05/XX/2018 not accurate. (Final/05/XX/2018)<br> [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 05/XX/2018 incorrectly disclosed whether the loan will have an escrow account. (Final/05/XX/2018)<br> [2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 05/XX/2018 incorrectly disclosed whether the loan will have an escrow account. (Final/05/XX/2018)<br> [1] Federal Compliance - TRID Alternate Table Usage: TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction.<br> [1] Federal Compliance - TRID Final Closing Disclosure Alternate Table With Seller: TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 used an alternate table on a transaction with a seller. (Final/05/XX/2018)<br> [1] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence Subordinate Lien: TRID Final Closing Disclosure 05/XX/2018 on a simultaneous subordinate lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/05/XX/2018)<br> [1] Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Sales Price: TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 05/XX/2018 did not disclose the Sales Price of Property. (Final/05/XX/2018)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: The payment stream includes an escrow amount of $XXX per month.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: The payment stream includes an escrow amount of $XXX per month.<br> Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: Based on the documentation in the loan file, the non-escrowed costs per month are $XXX. Over a 12 month time period this would be $XXX and CD is showing $XXX<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: No escrows this is a Heloc 2nd<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: This is a Heloc 2nd - no escrows<br> Federal Compliance - TRID Alternate Table Usage: The LE and CD's did not consistently utilize the "with seller" and "without seller" formats.<br> Federal Compliance - TRID Final Closing Disclosure Alternate Table With Seller: The calculating cash to close section of the CD did not reflect the "with seller" format of the form.<br> Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence Subordinate Lien: missing Seller CD<br> Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Sales Price: Per final CD this is a Heloc and the atlernate table was used is the reason for the purchase price not being disclosed | BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/08): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/08): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/08): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/08): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/08): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/08): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/08): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/08): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/08): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/08): The buyer has elected to waive this exception. | Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Alternate Table Usage: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Alternate Table With Seller: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Sales Price: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |
| 285625742 | XXX | XXX |  | XXX | $XXX | NC | 6/XX/2018 | Primary | Purchase | Safe Harbor QM | 3 | 3 | [3] Miscellaneous - Credit Exception:<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | The file did not contain a copy of the lender's guidelines for subordinate liens; unable to determine if the loan was qualified in adherence with the guidelines.<br> Defect reason provided on tape has been confirmed from the credit report to show that the XXX #XXX was a charge off in the past 60 months. It was charged off in March of 2015. | BUYER - GENERAL COMMENT (2019/XX/06): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/07): Buyer elects to waive exception.<br> BUYER - GENERAL COMMENT (2019/XX/06): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/07): Buyer elects to waive exception. | 1 |  |  |  | 3 | [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 6,804.27 on Final Closing Disclosure provided on 06/XX/2018 not accurate. (Final/06/XX/2018)<br> [1] Federal Compliance - TRID Alternate Table Usage: TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction.<br> [1] Federal Compliance - TRID Final Closing Disclosure Alternate Table With Seller: TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 used an alternate table on a transaction with a seller. (Final/06/XX/2018)<br> [1] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence Subordinate Lien: TRID Final Closing Disclosure 06/XX/2018 on a simultaneous subordinate lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/06/XX/2018)<br> [1] Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Sales Price: TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 06/XX/2018 did not disclose the Sales Price of Property. (Final/06/XX/2018)<br> [1] Federal Compliance - TRID Invalid Section B Combinations: TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 06/XX/2018 reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. (Final/06/XX/2018)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7729)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Copy Or Fax Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (77172) | Federal Compliance - Unknown Loan Designation: The designation determined by the review was safe harbor QM.<br> Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018: The amount of $XXX that is on the CD for Estimated property costs over year 1 does not match the property costs throughout the file but this is what is on the final CD.<br> Federal Compliance - TRID Alternate Table Usage: The Loan Estimate does not match the Closing Disclosure when it comes to the Funds to close. The Closing Disclosure has the designation listed but the Loan Estimate does not.<br> Federal Compliance - TRID Final Closing Disclosure Alternate Table With Seller: The Loan Estimate does not match the Closing Disclosure when it comes to the Funds to close. The Closing Disclosure has the designation listed but the Loan Estimate does not.<br> Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence Subordinate Lien: There are no seller fees and there is not a seller CD located in the file.<br> Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Sales Price: The wrong method of calculating cash to close was used on the Closing Disclosure - they are using a refinance method when the transaction is a purchase.<br> Federal Compliance - TRID Invalid Section B Combinations: This is in the wrong section of the CD - this should have been put under section A if it was paid to the lender.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Cure for $XXX was not provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: This fee was increased with no change in circumstance and is outside of tolerance.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: This fee was increased with no change in circumstance and is outside of tolerance. | BUYER - GENERAL COMMENT (2019/XX/06): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/07): Buyer elects to waive exception.<br> BUYER - GENERAL COMMENT (2019/XX/06): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/07): Buyer elects to waive exception.<br> BUYER - GENERAL COMMENT (2019/XX/06): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/07): Buyer elects to waive exception.<br> BUYER - GENERAL COMMENT (2019/XX/06): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/07): Buyer elects to waive exception.<br> BUYER - GENERAL COMMENT (2019/XX/06): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/07): Buyer elects to waive exception.<br> BUYER - GENERAL COMMENT (2019/XX/06): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/07): Buyer elects to waive exception.<br> BUYER - GENERAL COMMENT (2019/XX/06): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/07): Buyer elects to waive exception. | Federal Compliance - Unknown Loan Designation: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Alternate Table Usage: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Alternate Table With Seller: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Sales Price: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Invalid Section B Combinations: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625743 | XXX | XXX |  | XXX | $XXX | AZ | 11/XX/2015 | Primary | Purchase | Safe Harbor QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Defect reason provided on tape has been confirmed. EPD back in October 2016. It has been held for seasoning to pool to the GSEs. Unfortunately, the borrower went down 30 a couple months ago. However, the loan is paid current now.<br> The loan went delinquent while waiting on Seasoning to transfer to GSE, Per FNMA Selling Guides the borrower must not have had any 30-day<br> delinquencies since the loan was originated within 12 or fewer months old at the time of delivery. Loan is no longer eligible for transfer. | BUYER - GENERAL COMMENT (2019/XX/12): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/19): The buyer has elected to waive this exception. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/11/XX/2015)<br> [1] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/11/XX/2015) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Evidence of earlier borrower receipt was not found in file.<br> Federal Compliance - TRID Seller Closing Disclosure: The file was missing a copy of the seller's CD | BUYER - GENERAL COMMENT (2019/XX/12): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/19): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/12): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/19): The buyer has elected to waive this exception. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |
| 285625744 | XXX | XXX |  | XXX | $XXX | WA | 2/XX/2017 | Primary | Purchase | Safe Harbor QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided | Defect reason provided on tape has not been confirmed. XXX rescission DU refer w/caution for borrower. Short on verified assets.<br> Gift letters in file with documentation where funds came from and copies of checks. | BUYER - GENERAL COMMENT (2019/XX/26): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/27): Buyer accepted the exceptions | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted. |  | BUYER - GENERAL COMMENT (2019/XX/26): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/26): Client elected to waive the condition |  |  |  |  |  |
| 285625745 | XXX | XXX |  | XXX | $XXX | AL | 7/XX/2018 | Primary | Refinance Cash-out - Other | Safe Harbor QM | 3 | 3 | [3] Guideline Issue - Aged document: Primary Valuation is older than guidelines permit: Valuation Type: Appraisal / Valuation Report Date: 02/XX/2018 Appraisal<br> [3] AUS Discrepancy / Guidelines Discrepancy - AUS Refer or Ineligible findings; issues not resolved.<br> [3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Appraisal provided is dated 2/XX/2018 which is older than 120 days prior to Note date. A 442 Completion Report or other update of value was not provided.<br> Unable to determine what guides were used for the review.<br> Defect reason provided on tape has been confirmed: Uninsurable due to MCR (Mortgage Credit Reject) not being overcome.<br> \*Previous Mortgage Credit Reject 2/2018 due to borrower 3x30 on installment and mortgage after bankruptcy discharge date 7/2014. | BUYER - GENERAL COMMENT (2019/XX/29): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/01): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/29): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/01): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/29): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/01): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/29): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/01): Buyer accepted the exceptions | 1 |  |  |  | 3 | [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.<br> [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. | Federal Compliance - HUD QM AU Finding Fail: Mortgage history reflects last 30 day late payment was 8/2017 which is within 12 months of loan and therefore ineligible for FHA insurance.<br> Federal Compliance - Unknown Loan Designation: A QM High Cost Analysis or compliance document was not provided to reflect what the Lender Loan Designation is. | BUYER - GENERAL COMMENT (2019/XX/29): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/01): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/29): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/01): The buyer has elected to waive this exception. | Federal Compliance - Unknown Loan Designation: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | Out | TILA ATR/QM |
| 285625746 | XXX | XXX |  | XXX | $XXX | GA | 12/XX/2018 | Investment | Refinance Cash-out - Other | Exempt from ATR | 3 | 3 | [3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Work Number VOE was pulled post closing on 01/XX/2019 and showed borrower has left his job at current employment prior to closing on 12/XX/2018. Loan closed on 12/XX/2018.<br> Work Number VOE was pulled post closing on 01/XX/2019 and showed borrower has left his job at current employment prior to closing on 12/XX/2018. Loan closed on 12/XX/2018. | BUYER - GENERAL COMMENT (2019/XX/03): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/04): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/03): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/04): The buyer has elected to waive this exception. | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |
| 285625747 | XXX | XXX |  | XXX | $XXX | CO | 1/XX/2018 | Primary | Purchase | Non QM | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: LP / LPA<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Employment was not verified with third party. The VVOE in file reflects employment was verified with spouse.<br> Employment was not verified by third party. VVOE in file shows employment was verified by spouse.<br> Defect reason provided on tape has been confirmed. - repurchase undisclosed employed by family member / spouse - income was not properly presented credit score dropped from 706 to 530 due to late pays -- mortgage is current and paid as agreed | BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception. | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) | Federal Compliance - Check Loan Designation Match - QM: The loan designation determined via the review of NonQM is not the same as the designation provided.<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is not agency salable and the no investor guidelines were provided.<br> Federal Compliance - QM DTI: Loan is no longer agency eligible - loan approved with DTI above 43%.<br> Federal Compliance - Sole Proprietorship Income Documentation Test: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. | BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception. | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |  |  | Out | TILA ATR/QM |
| 285625748 | XXX | XXX |  | XXX | $XXX | CO | 3/XX/2018 | Primary | Purchase | Non QM | 3 | 3 | [3] Government Documentation - FHA - Initial HUD Addendum to the Loan Application 92900-A is not compliant.: Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents)<br> [3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | FHA - Initial HUD Addendum to the Loan Application 92900-A not signed.<br> Defect reason provided on tape has been confirmed - Unable to insure loan, FHA Total Scorecard LP findings came back with a refer findings at time of endorsement and unable to meet manual underwriting guidelines | BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception. | 1 |  |  |  | 3 | [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.<br> [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/2575107)<br> [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. | Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer agency eligible – please advise which guidelines are applicable<br> Federal Compliance - HUD QM AU Finding Fail: Loan is no longer agency eligible - please advise which guidelines are applicable.<br> Federal Compliance - QM Employment History: Unable to determine loan designation.<br> Federal Compliance - Unknown Loan Designation: Loan is no longer agency eligible – please advise which guidelines are applicable | BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception. | Federal Compliance - Unknown Loan Designation: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | Out | TILA ATR/QM |
| 285625749 | XXX | XXX |  | XXX | $XXX | WA | 8/XX/2018 | Primary | Refinance Rate/Term | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided<br> [2] General - Last Sale Date is less than 180 days ago and value increased by more than 20%. Potential flip transaction, 2nd valuation may be required. | Defect reason provided on tape has been confirmed: repurchased - non insurable due to use of full appraised value rather than purchase / acquisition price for refinance within 12 months -- there was a significant increase in value without substantial investment from borrower - purchase 8/XX/17 $XXX case number 7/XX/18 with appraised value $XXX.<br> Loan is no able to be sold FHA because the appraisal value was used on a refinance owned less than 12 months. | BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception. | 1 |  |  |  | 3 | [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 08/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/08/XX/2018)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer agency eligible – please advise which guidelines are applicable<br> Federal Compliance - TRID Final Closing Disclosure Closing Date: Consummation date of 08/XX/2018: Final CD closing date shown as 08/XX/2018. | BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception. | Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative |  |  | Out | TILA ATR/QM |
| 285625750 | XXX | XXX |  | XXX | $XXX | FL | 9/XX/2018 | Primary | Purchase | Non QM | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Property type discrepancy.: Appraisal property type of Manufactured Housing does not match AUS property type of Single Family Detached.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Property is a Manufactured Home, but was submitted through the AUS as a Single Family Detached.<br> 1. Defect reason provided on tape has been confirmed : Loan was rejected for sale by XXX via XXX. Eligibility: Borrower's 714 score did not meet the minimum 720 score needed for a Home Possible LPA risk class of Caution. <br> 2. Defect reason provided on tape has not been confirmed : Rental income of $XXX was used to qualify the borrower but no supporting documentation was provided to support this. A lease agreement was provided to support rental income as submitted. <br> 3. Defect reason provided on tape has not been confirmed : The HUD Data Plate or substitute performance verification cert from the IBTS. Engineer's report regarding all mods, covered screen porch, desk and rear covered porch. There is a picture of the HUD Data Plate included in the Appraisal, but not an Engineers report. | BUYER - GENERAL COMMENT (2019/XX/10): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/11): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/10): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/11): The buyer has elected to waive this exception. | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [3] Federal Compliance - QM Employment History - Current Job after Gap: Qualified Mortgage (Dodd-Frank 2014): Current Job History post-Gap with LOE, lacking 6 months on current job. (XXX/2583255)<br> [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.<br> [2] Federal Compliance - TRID Interim Closing Disclosure Timing: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on 09/XX/2018 contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2018 used as disbursement date for compliance testing.<br> [1] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act – Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $XXX and disclosure timing violations. | Federal Compliance - Check Loan Designation Match - QM: Loan designation Temporary HPQM (GSE/Agency Eligible) per Mavent.<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer agency eligible – please advise which guidelines are applicable.<br> Federal Compliance - QM DTI: Loan is no longer agency eligible- Please advise which guidelines are applicable<br> Federal Compliance - QM Employment History - Current Job after Gap: Borrower has less than 6 months on current job. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.<br> Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Evidence of how LO was compensated is missing.<br> Federal Compliance - TRID Interim Closing Disclosure Timing: Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges.<br> Federal Compliance - Disbursement Date Missing: Closing Disclosure is missing.<br> Federal Compliance - TRID Esign Consent Agreement Status: E-consent Disclosure is missing in file. | BUYER - GENERAL COMMENT (2019/XX/10): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/11): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/10): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/11): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/10): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/11): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/10): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/11): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/10): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/11): The buyer has elected to waive this exception.<br> SELLER - GENERAL COMMENT (2019/XX/16): econsent<br> REVIEWER - GENERAL COMMENT (2019/XX/17): Per compliance: The initial CD was issued on 9/XX/18 and signed same day reflecting an APR of 5.91%. The final CD was issued on 9/XX/18, same day as closing, with an APR of 6.068%. Given the APR increased by 0.158% without providing a new three-day waiting period before closing, the exception fired. Under 1026.19(f)(2)(ii), the three-business-day waiting period requirement applies to a corrected Closing Disclosure that is provided when:<br> • The loan's disclosed APR becomes inaccurate; <br> • There are changes to the loan product; or <br> • A prepayment penalty is added to the loan. Therefore, the APR timing exception is accurate and should remain.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/10): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/11): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/10): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/11): The buyer has elected to waive this exception. | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $XXX in the case of an individual transaction, or the lesser of $XXX or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $XXX or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Interim Closing Disclosure Timing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625751 | XXX | XXX |  | XXX | $XXX | MS | 1/XX/2018 | Primary | Purchase | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided | Defect reason provided on tape has not been confirmed - No Alta 7 Title endorsement. Per the loan file and the Final Title Policy, ALTA Endorsement 7-06 for Manufactured Housing is included. | BUYER - GENERAL COMMENT (2019/XX/16): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/17): Buyer acknowledged the exception | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Federal Compliance - Check Loan Designation Match - QM: Per deal notes, agency salable should reflect no and DTI exceeds 43%.<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Investor guidelines not provided so DTI maximum unknown.<br> Federal Compliance - HUD QM AU Finding Fail: Due to designation as not agency salable, loan does not qualify as a HUD qualified mortgage.<br> Federal Compliance - QM DTI: Investor guidelines not provided - DTI maximum is not known and exceeds QM standard. | BUYER - GENERAL COMMENT (2019/XX/16): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/17): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/16): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/17): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/16): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/17): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/16): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/17): The buyer has elected to waive this exception. | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |  |  | Out | TILA ATR/QM |
| 285625752 | XXX | XXX |  | XXX | $XXX | AZ | 4/XX/2018 | Primary | Purchase | Higher Priced QM | 3 | 3 | [3] Asset Documentation - Asset documentation requirements not met according to Decision System Input.: All documentation requirements for DU were not met.<br> [3] Asset Calculation / Analysis - AUS Findings: Available for Reserves discrepancy.: Calculated Available for Reserves of $XXX is less than AUS Available for Reserves of $XXX.<br> [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [3] Government Documentation - FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents)<br> [3] Asset Documentation - Guideline Issue: Insufficient asset documentation.: Financial Institution: XXX // Account Type: Checking / Account Number: XXX<br> [3] Credit Calculation / Analysis - Missing Document: Alternative Credit Documentation not provided<br> [3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided<br> [2] Government Documentation - FHA - Lead Based Paint Attachment was provided at or after closing.: Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents) Provided Date: 04/XX/2018; Consummation Date: 04/XX/2018<br> [2] Government Documentation - FHA - Real Estate Certification was provided at or after closing.: Disclosure: FHA - Real Estate Certification (Government Documents) Provided Date: 04/XX/2018; Consummation Date: 04/XX/2018<br> [1] Credit Eligibility - Public Record Issue:: Credit Report: Original // Public Record Type: Collections / Balance: XXX | Defect reason provided on tape has not been confirmed (with defect reason) Defect Diligence Description is that Gift Funds Violation. Documentation from donor says " just pay back when you get your income tax return" therefore funds are not truly a gift and cannot be used. OT calculation was challenged by prior investor. Review has not located the above referenced gift letter that declares gift was to be repaid, in current file documentation.<br> Missing evidence of borrower's XXX checking account with $XXX.<br> Defect reason provided on tape has not been confirmed (with defect reason) Defect Diligence Description is that Gift Funds Violation. Documentation from donor says " just pay back when you get your income tax return" therefore funds are not truly a gift and cannot be used. OT calculation was challenged by prior investor. Review has not located the above referenced gift letter that declares gift was to be repaid, in current file documentation.<br> Additional account was provided in trailing documents for the primary borrower with XXX account ending #XXX. The consecutive month was not included and/or is missing.<br> Unable to confirm that Gift funds documentation from donor says "just pay back when you get your income tax return" making funds not truly a gift.. | BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/25): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/26): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception.<br> SELLER - GENERAL COMMENT (2019/XX/23): This document was included in the original upload, but we have provided it again for your convenience.<br> REVIEWER - GENERAL COMMENT (2019/XX/24): Reviewed trailing docs and original file. A list of the participants to be searched was included in the file, however the actual searches for each individual were not. AMC agrees that there is no requirement to retain the LDP / GSA searches, but without the searches we cannot verify that all searches are performed on the correct parties and that there were no issues. Exception referred to XXX for review and disposition.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception. | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM.<br> [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.<br> [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (Final/04/XX/2018)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/04/XX/2018)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77204)<br> [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/02/XX/2018)<br> [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/04/XX/2018)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/XX/2018) | Federal Compliance - Check Loan Designation Match - QM: The designation determined by the review differs from that provided at origination.<br> Federal Compliance - HUD QM AU Finding Fail: Repurchase is required due to observation that gift fund requirements were violated.<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: Final CD disclosed the Initial Escrow Payment of $XXX, that does not match the Initial escrow payment disclosed on page 2, section G<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Final CD was issued on same date of closing and not providing the required 3 business days for borrower's review.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. No cure or valid Change of Circumstance was provided to the borrower.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence of Borrower's signed receipt for copy of appraisal found in current file documentation.<br> Federal Compliance - TRID Final Closing Disclosure Closing Date: Final CD reflects Closing Date of 04/XX/2019, while identifying consummation date of 04/XX/2019.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Cure for 0% tolerance violation of $XXX was not provided. Provide a post-close CD disclosing the tolerance cure of $XXX a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/23): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/24): The buyer has elected to waive this exception. | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625753 | XXX | XXX |  | XXX | $XXX | IL | 7/XX/2017 | Primary | Purchase | Non QM | 3 | 3 | [3] Asset Calculation / Analysis - AUS Findings: Available for Reserves discrepancy.: Calculated Available for Reserves of $XXX is less than AUS Available for Reserves of $XXX.<br> [3] Application / Processing - Missing Document: General Services Administration (GSA) not provided<br> [3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Short reserves. Gift funds source ineligible. Downpayment source ineligible. Per FHA, gift funds for down payment or funds needed for closing are acceptable if they are from the following: a relative, borrower's employer or labor union, a charitable organization, close friend or government agency that has a program providing home ownership assistance. The gift letter in the loan file is executed by the borrower's spouse yet the source of funds are coming from the husband's employer of XXX, which the check for $XXX is made out from the XXX account.<br> Defect reason provided on tape has been confirmed - Downpayment source ineligible. Per FHA, gift funds for down payment or funds needed for closing are acceptable if they are from the following: a relative, borrower's employer or labor union, a charitable organization, close friend or government agency that has a program providing home ownership assistance. The gift letter in the loan file is executed by the borrower's spouse yet the source of funds are coming from the husband's employer of XXX, which the check for $XXX is made out from the XXX account. | BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/25): Buyer acknowledged the exception | 3 | [3] Appraisal Data Integrity - Appraiser's license or certification was not active at the time of the appraisal.: Valuation Type: Appraisal / Valuation Report Date: 07/XX/2017 | Appraisers license effective date is 9/XX/17 which is after the report date of 7/XX/17. | BUYER - GENERAL COMMENT (2019/XX/24): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/25): Buyer acknowledged the exception | 3 | [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX is less than amount of binding Lender Credit previously disclosed in the amount of -$XXX. (9300)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Radon Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7717)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7713)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506)<br> [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted.<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/XX/2017) | Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer agency eligible- Please advise which guidelines are applicable<br> Federal Compliance - TRID Lender Credit Tolerance Violation: Lender credit Fee disclosed as $XXX on LE, but disclosed as $XXX on Final Closing Disclosure.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Cure for 10% tolerance violations in the amount of $XXX was not provided. Provide a post-close CD, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Radon fee disclosed not disclosed on LE, but disclosed as $XXX on Final CD.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Pest Inspection fee not disclosed on LE, but disclosed as $XXX on Final Cd<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal fee disclosed as $XXX on LE's but disclosed as $XXX on Final CD.<br> Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Final CD reflects -$XXX in lender credit and the loan file does not contain an itemization of a breakdown of fees.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Cure of $XXX is insuffiencient for various 0% and/or 10% tolerance violations in the amount of $XXX. Provide a post-close CD disclosing the tolerance cure of $XXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception. | Federal Compliance - TRID Lender Credit Tolerance Violation: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625754 | XXX | XXX |  | XXX | $XXX | PA | 3/XX/2016 | Primary | Purchase | Non QM | 3 | 3 | [3] Government Documentation - FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents)<br> [3] Application / Processing - Missing Document: General Services Administration (GSA) not provided<br> [3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided<br> [2] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. | FHA Real Estate Certification missing real estate broker signature(s).<br> Missing General Services Administration (GSA).<br> Missing Limited Denials of Participation (LDP).<br> Missing Final signed 1003.<br> Missing MI Cert and Mortgage Insurance Evidence.<br> Defect reason provided on tape has been confirmed - Unable to obtain signed final 1003 from borrower - HUD has cancelled case due to 18+ months from original close date (this is 1x close) and will not reinstate. Has been down 60d and is now current as of this month.<br> Missing "Lender its successors and assigns" on Hazard Insurance policy. | BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/25): Buyer acknowledged the exception<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception. | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.<br> [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/2605137)<br> [2] Federal Compliance - TRID Final Closing Disclosure Borrower Paid Other Costs Total Section I: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2016 disclosed Total Other Costs (Borrower-Paid) (Section I) that does not match sum of fees. (Final/03/XX/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/03/XX/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure 03/XX/2016 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/03/XX/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure Prepaid Other 2 Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2016 did not disclose number of months for Builders Risk Policy under Prepaids. (Final/03/XX/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure Sales Price: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/XX/2016 disclosed a Sales Price that does not match Sales Price from the Summaries of Transactions Table. (Final/03/XX/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure Value Identifier: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/XX/2016 did not contain the appropriate label for Sale Price or Appraised Property Value. (Final/03/XX/2016)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/03/XX/2016)<br> [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/03/XX/2016)<br> [1] Federal Compliance - TRID Final Closing Disclosure Borrower Paid Loan Costs Total Section D: TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 03/XX/2016 disclosed Total Loan Costs (Borrower-Paid) (Section D) that does not match sum of fees. (Final/03/XX/2016)<br> [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/XX/2016 disclosed a Closing Date that did not match the actual date of consummation. (Final/03/XX/2016)<br> [1] Federal Compliance - TRID Final Closing Disclosure Prepaid Other 1 Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2016 did not disclose number of months for School Tax under Prepaids. (Final/03/XX/2016)<br> [1] Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2016 did not disclose number of months for Property Tax under Prepaids. (Final/03/XX/2016)<br> [1] Federal Compliance - TRID Final Closing Disclosure Purpose Test: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/XX/2016 disclosed a Purpose that does not match the actual purpose for the loan. (Final/03/XX/2016)<br> [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.<br> [1] Federal Compliance - TRID Servicing Disclosure Timing: File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - Check Loan Designation Match - QM: Loan Designation of HUD Rebuttable Presumption QM per Mavent.<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer agency eligible - please advise which guidelines are applicable.<br> Federal Compliance - HUD QM AU Finding Fail: Unable to obtain signed final 1003 from borrower - HUD has cancelled case due to 18+ months from original close date (this is 1x close) and will not reinstate. Has been down 60d and is now current as of this month.<br> Federal Compliance - QM Employment History: 30 day gap of employment is missing an explanation<br> Federal Compliance - TRID Final Closing Disclosure Borrower Paid Other Costs Total Section I: Section I is incomplete. Total is $XXX and Other Costs Subtotal reflects $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: The final Closing Disclosure reflects Finance Charge of $XXX but calculated Finance Charge of $XXX. Variance = $XXX.<br> Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: No seller fees listed and no seller CD was provided<br> Federal Compliance - TRID Final Closing Disclosure Prepaid Other 2 Months: The # of months on the final CD is blank for the Builders Risk Policy collected.<br> Federal Compliance - TRID Final Closing Disclosure Sales Price: On the 1st page of the final CD, the estimated property value is reflected as $XXX. On the 3rd page of the final CD, in the summaries of transactions, the Construction cost is $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Value Identifier: Sales price is blank on the CD<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Initial CD Issued 3/XX/16: less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing.<br> Federal Compliance - TRID Loan Estimate Timing: Initial LE was not provided within 3 days of application. Application date of 1/XX/16, LE is dated 3/XX/16<br> Federal Compliance - TRID Final Closing Disclosure Borrower Paid Loan Costs Total Section D: Total loans costs show as $XXX but paid at closing = $XXX + paid before closing of $XXX = $XXX<br> Federal Compliance - TRID Final Closing Disclosure Closing Date: Closing date shows as 10/XX/16 with a Note date of 3/XX/16<br> Federal Compliance - TRID Final Closing Disclosure Prepaid Other 1 Months: The # of months on the final CD is blank for the school taxes collected.<br> Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: The # of months on the final CD is blank for the Property taxes collected.<br> Federal Compliance - TRID Final Closing Disclosure Purpose Test: CD shows Construction - 1003 shows purchase<br> Federal Compliance - TRID Home Loan Toolkit Provided: Missing Your Home Loan Toolkit Disclosure.<br> Federal Compliance - TRID Servicing Disclosure Timing: Missing Servicing disclosure provided to borrower within 3 days of application.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient cure was provided for 10% tolerance of $XXX. | BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The buyer has elected to waive this exception.<br> REVIEWER - CURED COMMENT (2019/XX/24): Sufficient cure was provided for 10% tolerance of $XXX on final CD. | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - TRID Final Closing Disclosure Borrower Paid Other Costs Total Section I: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Prepaid Other 2 Months: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Sales Price: TILA - 1yr affirmative<br>Federal Compliance - TRID Final Closing Disclosure Value Identifier: TILA - 1yr affirmative<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Borrower Paid Loan Costs Total Section D: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative<br>Federal Compliance - TRID Final Closing Disclosure Prepaid Other 1 Months: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Purpose Test: TILA - 1yr affirmative<br>Federal Compliance - TRID Home Loan Toolkit Provided: TILA - 1yr affirmative. |  |  | Out | TILA ATR/QM |
| 285625755 | XXX | XXX |  | XXX | $XXX | CA | 2/XX/2018 | Investment | Refinance Cash-out - Other | Exempt from ATR | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided | Defect Reason provided on Tape has not been confirmed. Defect reason was that documentation for debts omitted on AUS was not provided; however, the DU results indicate the debts in question are with XXX and XXX and the credit reports in file confirm these were paid off during the processing of the subject loan with new loans. | BUYER - GENERAL COMMENT (2019/XX/01): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/02): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/01): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/02): Buyer acknowledged the exception | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/02/XX/2018) | Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Appraisal was completed on 01/XX/2018 and provided to the borrower on 01/XX/2018. The only report in file was signed on 02/XX/2018 indicating there was an earlier version of the report that is not in the file. The earlier version of the report is needed for the loan file. | BUYER - GENERAL COMMENT (2019/XX/01): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/02): The buyer has elected to waive this exception. |  |  |  |  |  |
| 285625756 | XXX | XXX |  | XXX | $XXX | FL | 3/XX/2019 | Primary | Purchase | Safe Harbor QM | 3 | 3 | [3] Government Documentation - FHA - Initial HUD Addendum to the Loan Application 92900-A is not compliant.: Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents)<br> [3] Government Documentation - Final HUD Addendum 92900-A is missing.: Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents)<br> [3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | The addendum is not signed by the underwriter.<br> Confirmed: 1) front end ratio (39.89%) exceeds maximum (31%) and co-borrower does not have a credit score. This is required for a manual underwrite. | BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/09): Buyer acknowledged the exception | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.<br> [3] Federal Compliance - HUD QM Points and Fees: HUD Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.56178% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .56178%).<br> [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/790992)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/XX/2019) | Federal Compliance - Check Loan Designation Match - QM: The designation determined by the review differs from the one provided.<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer agency eligible – please advise which guidelines are applicable<br> Federal Compliance - HUD QM AU Finding Fail: Loan is a manual underwrite and does not meet the guidelines.<br> Federal Compliance - HUD QM Points and Fees: Points and Fees on subject loan of 3.56178% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX.<br> Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Disclosure was not in the loan file.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: The hazard insurance policy reflects an annual premium of $XXX while the CD reflects only $XXX which resulted in the Projected Payments: Final Closing Disclosure provided on 03/XX/2019 disclosing an escrow payment for payment stream 1 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee Amount of $XXX exceeds tolerance of $XXX. An insufficient cure of $XXX was provided to the borrower when $XXX was needed.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Final Closing Disclosure provided on 03/XX/2019 did not disclosed an amount by which the Total Closing Costs exceeded the legal limit. | BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/08): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/09): The buyer has elected to waive this exception. | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $XXX in the case of an individual transaction, or the lesser of $XXX or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $XXX or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625757 | XXX | XXX |  | XXX | $XXX | CA | 4/XX/2017 | Primary | Refinance Rate/Term | Non QM | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> [3] Application / Processing - Missing Document: Fraud Report not provided<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | The property is located in XXX, California. Provide a post-disaster inspection verifying there was no damage from the XXX. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date.<br> The file was missing a copy of the required fraud report.<br> Defect reason provided on tape has been confirmed, Employment - It was discovered post-closing that the client is no longer employed. His employment was terminated as of 3/XX/17, and we closed 4/XX/17. Loan was modified to avoid foreclosure. | BUYER - GENERAL COMMENT (2019/XX/20): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/21): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/22): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/23): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/20): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/21): Buyer acknowledged the exception | 1 |  |  |  | 3 | [3] Federal Compliance - Appendix Q Liabilities - Revolving: Qualified Mortgage (Dodd-Frank 2014): Revolving Liabilities that have an effect on the consumer's ability to repay have been excluded from DTI calculation.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.<br> [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.<br> [1] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [1] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act – Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $XXX and disclosure timing violations. | Federal Compliance - Appendix Q Liabilities - Revolving: Borrower is authorized user and not responsible for payment(s).<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer Agency eligible and the allowable DTI is not known.<br> Federal Compliance - QM DTI: Loan is no longer agency eligible and the DTI exceeds the QM maximum.<br> Federal Compliance - Unknown Loan Designation: The originator's loan designation was not evident in the loan file; however, the designation determined by the review was nonQM.<br> Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: The file did not contain a Loan Originator Compensation disclosure.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Loan file did not include a copy of the Lender's (XXX Loans Inc.) initial 1003.<br> Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: The only signed Affiliated Business Arrangement in the loan file is dated 4/XX/2017.<br> Federal Compliance - TRID Esign Consent Agreement Status: The file did not contain an esign consent agreement. | BUYER - GENERAL COMMENT (2019/XX/20): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/21): Buyer acknowledged the exception<br> BUYER - GENERAL COMMENT (2019/XX/20): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/21): Buyer acknowledged the exception<br> BUYER - GENERAL COMMENT (2019/XX/20): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/21): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/20): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/21): Buyer acknowledged the exception<br> BUYER - GENERAL COMMENT (2019/XX/20): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/21): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/20): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/21): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/20): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/21): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/20): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/21): The buyer has elected to waive this exception. | Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - Unknown Loan Designation: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $XXX in the case of an individual transaction, or the lesser of $XXX or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $XXX or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | Out | TILA ATR/QM |
| 285625758 | XXX | XXX |  | XXX | $XXX | CA | 2/XX/2019 | Primary | Refinance Cash-out - Other | Non QM | 3 | 3 | [3] Application / Processing - Missing Document: Fraud Report not provided<br> [3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided<br> [3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Missing Fraud Report.<br> Missing Limited Denials of Participation (LDP).<br> Missing Mortgage Insurance Certificate and Mortgage Insurance Evidence.<br> Defect reason provided on tape has been confirmed - Employment - DTI exceeds max guidelines. We were notified post close that the client is no longer employed. Without this income, DTI increases to > 96%. <br> \*\*In the loan file, Verbal Verification of Employment dated 2/XX/2019. The form indicates the borrower is no longer employed with XXX as of 1/XX/2019. There is also a Work Number VVOE in file dated 2/XX/2019 that reflects the termination date for the borrower of 1/XX/2019. On page 300/556 there is a VVOE from XXX dated 2/XX/2019 that reflects the borrower is active and has been employed since 7/XX/2010. Took out income that was used for qualifying for the XXX which results in a DTI of 77.654%. | BUYER - GENERAL COMMENT (2019/XX/22): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/23): The buyer has elected to waive this exception.<br> SELLER - GENERAL COMMENT (2019/XX/21): We perform the LDP search on every transaction. We do not upload the search results to our system, but it is done on every transaction. I have gone ahead and searched the borrower manually and attached are the findings. The borrower is not on this list. https://www5.hud.gov/Ecpcis/main/ECPCIS_List/main/ECPCIS_List.jsp<br> REVIEWER - GENERAL COMMENT (2019/XX/22): Lender provided LDP search for borrower however the search for the Loan officer was not included. AMC agrees that there is no requirement to retain the LDP / GSA searches, but without the searches we cannot verify that all searches are performed on the correct parties and that there were no issues. Exception referred to XXX for review and disposition.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/28): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/21): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/21): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/22): Buyer acknowledged the exception | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [1] Federal Compliance - TRID Final Closing Disclosure Prepaid Other 1 Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/XX/2019 did not disclose number of months for Delinquent Taxes County Taxes to XXX under Prepaids. (Final/02/XX/2019) | Federal Compliance - Check Loan Designation Match - QM: Originator Loan Designation of HUD Safe Harbor QM.<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is longer agency eligible - please advise which guidelines are applicable.<br> Federal Compliance - HUD QM AU Finding Fail: Loan is no longer agency eligible - please advise which guidelines are applicable.<br> Federal Compliance - QM DTI: Loan is longer agency eligible - please advise which guidelines are applicable.<br> Federal Compliance - TRID Final Closing Disclosure Prepaid Other 1 Months: The final CD does not reflect the # of months that was collected at closing for the delinquent county taxes. | BUYER - GENERAL COMMENT (2019/XX/21): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/22): Buyer acknowledged the exception<br> BUYER - GENERAL COMMENT (2019/XX/21): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/22): Buyer acknowledged the exception<br> BUYER - GENERAL COMMENT (2019/XX/21): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/22): Buyer acknowledged the exception<br> BUYER - GENERAL COMMENT (2019/XX/21): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/22): Buyer acknowledged the exception<br> BUYER - GENERAL COMMENT (2019/XX/21): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/22): Buyer acknowledged the exception | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - TRID Final Closing Disclosure Prepaid Other 1 Months: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625759 | XXX | XXX |  | XXX | $XXX | NY | 3/XX/2016 | Investment | Purchase | Exempt from ATR | 3 | 3 | [3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 98.05578% exceeds AUS total debt ratio of 30.28000%.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Base income similar to 1003 value however rental income on subject property not included as no verification of such was located in file.<br> Defect reason provided on tape has been confirmed. FNMA repurchase. Occupancy misrepresented. Borrower indicated they would not occupy and used rental income to qualify. Borrower actually occupied property and rental income from owner-occupied is not allowed. | BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/17): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/20): Buyer acknowledged the exception | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |
| 285625760 | XXX | XXX |  | XXX | $XXX | VA | 1/XX/2019 | Primary | Purchase | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided | Defect reason provided on tape has not been confirmed: Income is over XXX income limits due to borrower getting marries before closing and husbands income was not vetted and only an estimate was used. Missing previous VOE to validate a deposit, do not have employer info or authorization from borrower's husband. \*\* 1x30 - loan was supposed to be sold to XXX and the borrower is instructed to send the payments to XXX however XXX had not purchased the loan by the 1st payment date so the borrower was unable to make their payment to XXX as the loan was not in XXX's system yet. Have XXX info on 1st payment letter to show the borrower was instructed correctly however XXX did not follow the proper procedures for the borrower's payment. Loan has MCC, no MI and 2% Grant | BUYER - GENERAL COMMENT (2019/XX/28): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/01): The buyer has elected to waive this exception. | 1 |  |  |  | 3 | [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 01/XX/2019 not accurate. (Final/01/XX/2019)<br> [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). | Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer agency eligible – please advise which guidelines are applicable.<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018: Amount of Escrowed Property Costs over Year 1 of XXX includes City Property Taxes of $XXX/month. These taxes are not included in estimated escrow payments or Sections F and G of the CD. They are only disclosed on the First Payment Letter.<br> Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: There is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). | BUYER - GENERAL COMMENT (2019/XX/28): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/01): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/28): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/01): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2019/XX/28): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/01): The buyer has elected to waive this exception. | Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625761 | XXX | XXX |  | XXX | $XXX | TX | 9/XX/2018 | Primary | Purchase | Non QM | 3 | 3 | [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX.<br> [3] Application / Processing - Missing Document: Fraud Report not provided<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided<br> [1] Credit Documentation - Reported liability reflects the borrower as an Authorized User. This debt has been excluded from QM qualification.: Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX, Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX, Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX, Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX, Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX, Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX, Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX, Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX | Assets for Closing of $XXX is less than Cash From Borrower $XXX.<br> Defect reason provided on tape has not been confirmed - Occupancy - This loan closed as a primary residence. However, after closing, it was found that the client did not take occupancy of the subject property and listed it for rent.<br>The loan file does not contain evidence to support borrower is renting primary residence. There is no lease agreement or other documentation that shows the property is listed to be a rental dwelling.<br> For informational purposes, several liabilities were excluded due to being authorized user. | BUYER - GENERAL COMMENT (2019/XX/19): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The Client has acknowledged this exception and is electing to waive it without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The Client has acknowledged this exception and is electing to waive it without compensating factors. | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [3] Miscellaneous Compliance - Rental Income Documentation - Schedule E Method: Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E)<br> [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).<br> [1] Federal Compliance - TRID Closing Disclosure Partial Lump Sum Credit: Partial Lump Sum Credit Allocation on Separate Itemization - Compliance Review Required | Federal Compliance - Check Loan Designation Match - QM: Loan is no longer agency eligible - please advise which guidelines are applicable.<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer agency eligible - please advise which guidelines are applicable.<br> Federal Compliance - QM DTI: Loan is no longer agency eligible and the DTI exceeds the QM benchmark of 43%.<br> Miscellaneous Compliance - Rental Income Documentation - Schedule E Method: Lease agreement and signed 2017 tax returns are missing from the file.<br> Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Acknowledged.<br> Federal Compliance - TRID Closing Disclosure Partial Lump Sum Credit: Acknowledged. | BUYER - GENERAL COMMENT (2019/XX/19): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The Client has acknowledged this exception and is electing to waive it without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The Client has acknowledged this exception and is electing to waive it without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The Client has acknowledged this exception and is electing to waive it without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/25): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The Client has acknowledged this exception and is electing to waive it without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/25): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/25): The Client has acknowledged this exception and is electing to waive it without compensating factors. | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |  |  | Out | TILA ATR/QM |
| 285625762 | XXX | XXX |  | XXX | $XXX | MI | 7/XX/2017 | Primary | Purchase | Safe Harbor QM | 3 | 3 | [3] Asset Documentation - Asset documentation requirements not met according to Decision System Input.: All documentation requirements for LP / LPA were not met.<br> [3] Asset Calculation / Analysis - AUS Findings: Available for Closing discrepancy.: Documented qualifying Assets of $XXX is less than AUS Available for Closing of $XXX.<br> [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [3] Application / Processing - Missing Document: Fraud Report not provided<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided | Loan is no longer agency eligible – please advise which guidelines are applicable. File was missing verification of Gift Funds in the amount of $XXX.<br> Loan is no longer agency eligible – please advise which guidelines are applicable. File was missing verification of Gift Funds in the amount of $XXX.<br> Loan is no longer agency eligible – please advise which guidelines are applicable. File was missing verification of Gift Funds in the amount of $XXX.<br> Fraud report is missing from file.<br> Defect reason provided on tape has not been confirmed: Income - Based on an updated written employment verification from XXX that we obtain post-closing reflects that the client's last of employment was 7/XX/17 which was prior to the loan closing on 7/XX/17. This was the only income reflected in the qualification. | BUYER - GENERAL COMMENT (2019/XX/19): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The Client has acknowledged this exception and is electing to waive it without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The Client has acknowledged this exception and is electing to waive it without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The Client has elected to waive this exception without compensating factors. | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.<br> [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).<br> [1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 07/XX/2017 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/07/XX/2017)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/XX/2017) | Federal Compliance - Check Loan Designation Match - QM: .Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings.<br> Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: Disclosure reflects TIP as 90.513% but calculated TIP is 90.716% which is outside the .003% tolerance. Difference amount is .203%.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Erroneous Reg ID 2933. No tolerance violation of Transfer Tax due to being seller paid. | BUYER - GENERAL COMMENT (2019/XX/19): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/22): The Client has elected to waive this exception without compensating factors. | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625763 | XXX | XXX |  | XXX | $XXX | FL | 10/XX/2018 | Primary | Purchase | Higher Priced QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided<br> [2] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. | Defect reason provided on tape has not been confirmed : Borrower not employed at closing. The loan file provided no evidence the borrower was not employed at the time of closing. The underwriter obtained a VOE from the Work Number dated four days prior to close with information current as of 09/XX/2018 (17 days prior to close) reflecting the borrower was currently employed and has been since 03/XX/2015.<br> XXX was listed on the hazard policy rather than XXX. | BUYER - GENERAL COMMENT (2019/XX/13): Acknowledged<br> REVIEWER - GENERAL COMMENT (2019/XX/14): Client acknowledged the condition<br> BUYER - GENERAL COMMENT (2019/XX/13): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2019/XX/14): Client elected to waive | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/10/XX/2018)<br> [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure 10/XX/2018 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/10/XX/2018)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/10/XX/2018)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/XX/2018)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower. (8304) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosure reflects Finance Charge of $XXX but calculated Finance Charge of $XXX for a Variance = $XXX.<br> Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: No seller paid fees were noted on either the final or seller CD.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: There is no evidence that the Final Closing Disclosure was provided to the borrower within three business days of closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: The Final Closing Disclosure did not provide a dollar amount by which total closing costs were exceeded,<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: Client elected to waive exception. | BUYER - GENERAL COMMENT (2019/XX/15): Please provide the fees and breakdown used for the calculation. Once received, I will forward to our internal TRID team. Thank you<br> REVIEWER - GENERAL COMMENT (2019/XX/16): Fees included in prepaid finance charges are as follows: Compliance Audit $XXX Flood Cert $XXX Funding Fee $XXX Loan Origination $XXX Prepaid Interest $XXX, Processing Fee $XXX Tax Service Fee $XXX Title - Recording Service Fee $XXX, Title - Service Charges $XXX Title - Settlement Fee $XXX Underwriting Fee $XXX and Verification of Tax Return $XXX.<br> SELLER - GENERAL COMMENT (2019/XX/21): Title services should not be included in APR. Title Services is not included on any of the APR matrices we have as reference. (Attached pg77). WE do agree with the Compliance/Admin fee however if we included the compliance/admin fee and remove the title services fee from your calculation, it is a wash.<br> REVIEWER - GENERAL COMMENT (2019/XX/22): Title "service charges" are generally coordination or processing type fees that are not specifically related to issuance of title or preparation of loan-related documents such as deeds, mortgages, reconveyance or settlement documents, or other purposes that would qualify for exclusion from finance charge under 1026.4(c)(7). The service/processing type nature of the fee would put the fee more in line with a coordination or processing fee which are finance charges under 1026.4(a)(1) since the creditor required the use of the title company and the charge is not a charge that is excluded from finance charges under 1026.4(c)(7). A Corrected CD, copy of refund check for the under-disclosed amount, letter of explanation and proof of delivery are required to cure.<br> SELLER - GENERAL COMMENT (2019/XX/27): Please find the post consummation CD attached<br> REVIEWER - GENERAL COMMENT (2019/XX/28): AMC received PCCD indicating cure of $XXX LOE, and shipping label. Please provide refund check and proof of delivery to cure.<br> SELLER - GENERAL COMMENT (2019/XX/29): Check copy and tracking info<br> REVIEWER - CURED COMMENT (2019/XX/30): SitusAMC received required documents, exception is cured.<br> BUYER - GENERAL COMMENT (2019/XX/13): Acknowledged<br> REVIEWER - GENERAL COMMENT (2019/XX/14): Please advise if client is electing to waive. Previous comment states acknowledged.<br> BUYER - GENERAL COMMENT (2019/XX/13): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br> REVIEWER - WAIVED COMMENT (2019/XX/14): Client elected to waive<br> BUYER - GENERAL COMMENT (2019/XX/13): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br> REVIEWER - WAIVED COMMENT (2019/XX/14): Client elected to waive | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |

| 285625765 | XXX | XXX |  | XXX | $XXX | FL | 5/XX/2018 | Primary | Purchase | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided | Defect reason provided on tape of "Employment Validation - DU Close By Date Not Met - Borrower Not Employed - VOE Updated: Employment validation was obtained for the borrower through Desktop Underwriter's (DU) Validation Service. In order to obtain Day One Certainty, DU required that the loan close by 5/XX/2018. The loan closed on 5/XX/2018, which was after the date required by DU. The file contained an updated employment verification, however, the loan was not resubmitted to DU. Research confirmed this borrower(s) was not employed as disclosed as of 5/XX/2018. Excluding the income resulted in a revised total monthly income of $XXX and a revised DTI that could not be calculated," has not been confirmed. The loan file contained an AUS dated 05/XX/2018 with a close by date of 08/XX/2018 verifying the loan was resubmitted to DU. The loan file did not provide evidence the borrower was not employed at the time of closing. | BUYER - GENERAL COMMENT (2019/XX/19): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has acknowledged this exception and is electing to waive it without compensating factors. | 1 |  |  |  | 3 | [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/3128864)<br> [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/05/XX/2018)<br> [1] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/05/XX/2018) | Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer agency eligible – please advise which guidelines are applicable.<br> Federal Compliance - QM DTI: Loan is no longer agency eligible – please advise which guidelines are applicable.<br> Federal Compliance - QM Employment History: Loan is no longer agency eligible – please advise which guidelines are applicable. File was missing the borrower Gap Letter as Any job gap > 30 days requires an LOE..<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and there is no evidence that the appraisal was provided at or before closing.<br> Federal Compliance - TRID Seller Closing Disclosure: The loan file contained an illegible copy of page 1 of the Seller's CD. | BUYER - GENERAL COMMENT (2019/XX/19): Waived - priced as atr fail<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - priced as atr fail<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - priced as atr fail<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - accept dil desig<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - 2<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - 1<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors. | Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - Unknown Loan Designation: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625766 | XXX | XXX |  | XXX | $XXX | CA | 6/XX/2017 | Primary | Purchase | Non QM | 3 | 3 | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided | Replacement coverage including extended amount is $XXX per appraisal cost new is $XXX and loan amount is $XXX therefore insurance is at minimum $XXX short of coverage required for loan.<br> Defect reason provided on tape has not been confirmed. - Early payment default - insufficient income. Income documentation verified and supported. | BUYER - GENERAL COMMENT (2019/XX/19): Waived - irrelevant now - servicing<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has acknowledged this exception and is electing to waive it without compensating factors. | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/06/XX/2017)<br> [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX is less than amount of binding Lender Credit previously disclosed in the amount of -$XXX. (9300)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2017) | Federal Compliance - TRID Lender Credit Tolerance Violation: Change of circumstance not provided as to why the Lender was no longer giving credit of $XXX to the Borrower as previously disclosed.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: No cure was disclosed for the lender credit tolerance issue. | BUYER - GENERAL COMMENT (2019/XX/19): Waived - 2<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - 2<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - 1<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors. | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - TRID Lender Credit Tolerance Violation: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |
| 285625767 | XXX | XXX |  | XXX | $XXX | GA | 12/XX/2018 | Primary | Purchase | Non QM | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: PITIA months reserves discrepancy.: Calculated PITIA months reserves of 0.15 is less than AUS PITIA months reserves of 1.00.<br> [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [3] Government Documentation - FHA - Amendatory Clause is not compliant.: Disclosure: FHA - Amendatory Clause (Government Documents)<br> [3] Government Documentation - FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents)<br> [3] Application / Processing - Missing Document: AUS not provided<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided<br> [1] Credit Eligibility - Public Record Issue:: Credit Report: Original // Public Record Type: Collections / Balance: XXX, Credit Report: Original // Public Record Type: Collections / Balance: XXX, Credit Report: Original // Public Record Type: Collections / Balance: XXX | Due to missing evidence of $XXX EMD funds.<br> The loan file was missing the DU as noted on the FHA Transmittal and evidence of the earnest money needed to meet reserve requirements.<br> Amendatory Clause not signed by seller.<br> Real Estate Certification not signed by seller or realtor.<br> The FHA Transmittal Document indicated the loan was approved via DU which was not located in the loan file. The AUS in file was dated post close,<br> Defect reason provided on tape of "ZFHA was invalid and the borrower did not qualify for a manually underwritten loan," has not been confirmed. The FHA Transmittal indicated the loan was approved by DU, not manually underwritten. The loan file is missing the AUS/Approvals. Though the post close AUS provided a Eligible/Refer, the defect does not provide evidence why the loan was ineligible for manual underwrite.<br> The post close AUS required evidence to omit collection accounts which was not located in the loan file. | BUYER - GENERAL COMMENT (2019/XX/19): Waived - priced as atr fail<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has acknowledged this exception and is electing to waive it without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - 1<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors. | 1 |  |  |  | 3 | [3] Federal Compliance - (Missing Data) Decision System Rating Not Provided: AUS Decision System Rating was not provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/12/XX/2018) | Federal Compliance - (Missing Data) Decision System Rating Not Provided: Missing AUS. AUS in file is post close.<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer agency eligible – please advise which guidelines are applicable.<br> Federal Compliance - HUD QM AU Finding Fail: Loan not eligible due to missing documents.<br> Federal Compliance - QM DTI: Loan is no longer agency eligible – please advise which guidelines are applicable. | BUYER - GENERAL COMMENT (2019/XX/19): Waived - priced as atr fail<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - priced as atr fail<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - priced as atr fail<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - accept dil desig<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/19): Waived - 2<br> REVIEWER - WAIVED COMMENT (2019/XX/20): The Client has elected to waive this exception without compensating factors. | Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - Unknown Loan Designation: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. |  |  | Out | Indeterminable |
| 285625768 | XXX | XXX |  | XXX | $XXX | TX | 10/XX/2018 | Primary | Purchase | Non QM | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - Payment Shock exceeds credit guidelines.: Payment Shock: 171.00728%<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided | Loan is no longer agency eligible – please advise which guidelines are applicable<br> Due Diligence results do not confirm loan defect provided. - Borrower misrepresentation on employment. \*\*\*Misrepresentation not found in file. WVOE verified stated employer, position and income. Prior employment verified by last two years tax returns and Notary Search showing borrower was an active notary. | BUYER - GENERAL COMMENT (2019/XX/26): Waived - S&D, also priced as Non ATR / Non QM.<br> REVIEWER - WAIVED COMMENT (2019/XX/27): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/26): Waived - AMC DD EV 2.<br> REVIEWER - WAIVED COMMENT (2019/XX/27): The Client has elected to waive this exception without compensating factors. | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 5,076.24 on Final Closing Disclosure provided on 10/XX/2018 not accurate. (Final/10/XX/2018)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/XX/2018)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Loan Designation Match - QM: The Lender's Compliance Report/High Cost Analysis reflects the loan was presumed to be a Qualified Mortgage, Agency Eligible and High-Priced at origination. Compliance was run using the Loan Designation of Temporay HPQM (GSE/Agency Eligible).<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer agency eligible - please advise which guidelines are applicable.<br> Federal Compliance - QM DTI: Loan is no longer agency eligible - please advise which guidelines are applicable.<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: Monthly Property Tax amounts used on the AUS and the Final CD do not match. The AUS used $XXX and the Final CD used $XXX. $XXX was used for testing ability to repay. The property is a new construction and the property needs to be reassessed.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Sufficient cure of $XXX was reflected.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient cure of $XXX was provided to the borrower at Closing. | BUYER - GENERAL COMMENT (2019/XX/26): Waived - S&D, also priced as Non ATR / Non QM.<br> REVIEWER - WAIVED COMMENT (2019/XX/27): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/26): Waived - S&D, also priced as Non ATR / Non QM.<br> REVIEWER - WAIVED COMMENT (2019/XX/27): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/26): Waived - Defect related to S&D Reason, also priced as Non ATR / Non QM.<br> REVIEWER - WAIVED COMMENT (2019/XX/27): The Client has elected to waive this exception without compensating factors.<br> BUYER - GENERAL COMMENT (2019/XX/26): Waived - Non material, no assignee liability. Also priced as Non ATR / Non QM.<br> REVIEWER - WAIVED COMMENT (2019/XX/27): The Client has elected to waive this exception without compensating factors. | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625769 | XXX | XXX |  | XXX | $XXX | IA | 6/XX/2018 | Primary | Refinance Cash-out - Other | Non QM | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided | Due Diligence results do not confirm loan defect provided - There is no evidence in the file to support that the client opened a XXX car loan in May 2018 prior to closing on 6/XX/18. | BUYER - GENERAL COMMENT (2019/XX/16): Waived - Disaster happened 10 years before the loan closed.<br> REVIEWER - WAIVED COMMENT (2019/XX/19): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/16): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/19): Client acknowledges exception. | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [3] Federal Compliance - Social Security Documentation: Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. (XXX Social Security Administration/Social Security)<br> [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2018) | Federal Compliance - Check Loan Designation Match - QM: Originator Loan Designation of Temporary SHQM reflected on QM Findings.<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer agency eligible – please advise which guidelines are applicable.<br> Federal Compliance - QM DTI: Loan is no longer agency eligible – please advise which guidelines are applicable. File was missing (list the missing docs).<br> Federal Compliance - Social Security Documentation: File is missing a copy of the "Award Letter / Continuance Letter" for the borrower.<br> Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: Final Closing Disclosure provided on 05/XX/2018 did not disclosed an amount by which the Total Closing Costs exceeded the legal limit. | BUYER - GENERAL COMMENT (2019/XX/16): Acknowledged<br> REVIEWER - GENERAL COMMENT (2019/XX/19): Client acknowledges exception.<br> REVIEWER - WAIVED COMMENT (2019/XX/19): Client acknowledges exception.<br> BUYER - GENERAL COMMENT (2019/XX/16): Waived - Issue is related to the known defect.<br> REVIEWER - WAIVED COMMENT (2019/XX/19): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/16): Waived - Issue is related to the known defect.<br> REVIEWER - WAIVED COMMENT (2019/XX/19): Client elects to waive.<br> SELLER - GENERAL COMMENT (2019/XX/18): see attached<br> REVIEWER - GENERAL COMMENT (2019/XX/19): Appendix q requires award letter. Exception remains.<br> SELLER - GENERAL COMMENT (2019/XX/24): see attached response.<br> BUYER - GENERAL COMMENT (2019/XX/24): Waived - Doesn't impact our ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2019/XX/30): Client acknowledges the condition | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625770 | XXX | XXX |  | XXX | $XXX | NY | 6/XX/2019 | Investment | Purchase | Exempt from ATR | 3 | 3 | [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided | Defect reason provided on tape has not been confirmed - Calculated PITIA months reserves of 1.46 is less than Guideline PITIA months reserves of 3.00. Also, appears to be O/O property when loan closed as N/O/O. \*\*\*Occupancy statement certificate in the loan file dated 6/XX/2019, shows the property is investment and found no evidence that property is Owner occupied. | BUYER - GENERAL COMMENT (2019/XX/01): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2019/XX/02): Client elected to waive the condition<br> BUYER - GENERAL COMMENT (2019/XX/01): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/02): Client acknowledged the condition | 1 |  |  |  | 2 | [2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 5.15478% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2019). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2019) (an overage of $XXX or .15478%). | Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 5.15478% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2019). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2019) (an overage of $XXX or .15478%). | BUYER - GENERAL COMMENT (2019/XX/01): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2019/XX/02): Client elected to waive the condition |  |  |  |  |  |
| 285625771 | XXX | XXX |  | XXX | $XXX | WA | 2/XX/2019 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Application / Processing - 1003 Error: First Time Home Buyer is blank.<br> [3] Application / Processing - Missing Document: Servicing Comments not provided | The final application indicated the borrower had not had ownership in a property in the last three years which was incorrect as borrower had ownership in an investment property. | REVIEWER - GENERAL COMMENT (2019/XX/23): No servicing comments provided - condition remains outstanding. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXX on Final Closing Disclosure provided on 02/XX/2019 not accurate. (Final/02/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 02/XX/2019 incorrectly disclosed whether the loan will have an escrow account. (Final/02/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 02/XX/2019 incorrectly disclosed whether the loan will have an escrow account. (Final/02/XX/2019)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: Tax cert in file verifies 2019 annual taxes in the amount of $XXX.The Final Closing Disclosure provided on 02/XX/2019 based the Non-Escrowed Property Costs from the 2018 property taxes in the amount of $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: Page three of the Final CD indicated the loan would have an escrow account; however, pages 1 and 2 did not indicated escrows to be a part of the monthly payment.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: Page three of the Final CD indicated the loan would have an escrow account; however, pages 1 and 2 did not indicated escrows to be a part of the monthly payment.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient cure of $XXX was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (2019/XX/22): Letter of Explanation & Corrected Closing Disclosure provided<br> REVIEWER - GENERAL COMMENT (2019/XX/22): Letter of Explanation & Corrected Closing Disclosure required to cure. PC-CD received issued 08/XX/2019. Page 1 indicates Taxes, Insurance and HOA are not escrowed. However, page 4 the box is checked for "Will have an escrow account"<br> REVIEWER - CURED COMMENT (2019/XX/29): Received corrected CD and letter of explanation to the borrower. Condition cured.<br> REVIEWER - GENERAL COMMENT (2019/XX/22): Letter of Explanation & Corrected Closing Disclosure required to cure. PC-CD received issued 08/XX/2019. Page 1 indicates Taxes, Insurance and HOA are not escrowed. However, page 4 the box is checked for "Will have an escrow account"<br> REVIEWER - CURED COMMENT (2019/XX/29): Received corrected CD and letter of explanation to the borrower. Condition cured. | Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |
| 285625772 | XXX | XXX |  | XXX | $XXX | MO | 12/XX/2018 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Application / Processing - Missing Document: Servicing Comments not provided |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 12/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (Final/12/XX/2018) | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: The escrow payment of $XXX disclosed on page 4 matches the total escrow payment of $XXX disclosed on page 2 when the seller paid portion of $XXX is accounted for. | REVIEWER - GENERAL COMMENT (2019/XX/02): Final CD page 2 Section G shows $XXX Initial Escrow Deposit. Page 4 shows $XXX (due to seller paid portion). 12 CFR 1026.38(l)(7)(3) states "The total amount disclosed pursuant to paragraph (g)(3) of this section, a statement that the payment is a cushion for the escrow account, labeled "Initial Escrow Payment," and a reference to the information disclosed pursuant to paragraph (g)(3) of this section.". Since (g)(3) is stating to only total those amounts designated as "borrower paid", the seller's paid portion would not be included in the total, and that same borrower-paid amount is to be disclosed in both sections of the CD. Corrected CD and LOE to borrower required to cure.<br> REVIEWER - GENERAL COMMENT (2019/XX/18): AMC received a response that indicated the Monthly Escrow Payment disclosed on page 4 of the CD is correct. Exception is for Initial Escrow Payment field on page 4, not Monthly Escrow Payment.<br> REVIEWER - GENERAL COMMENT (2019/XX/20): AMC received PCCD dated 5/XX/19. Need LOE to cure.<br> REVIEWER - CURED COMMENT (2019/XX/29): AMC received corrected CD and LOE. | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |
| 285625773 | XXX | XXX |  | XXX | $XXX | NJ | 1/XX/2019 | Primary | Refinance Cash-out - Other | HUD Rebuttable Presumption QM | 3 | 3 | [3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided | Defect reason provided on tape has not been confirmed - Unwarrantable Condo. The loan file does not include any information pertaining to the warranty for the condo/subject property. | BUYER - GENERAL COMMENT (2019/XX/04): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2019/XX/09): Client elected to waive the condition<br> BUYER - GENERAL COMMENT (2019/XX/04): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/09): Client Acknowledges the condition", | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of HUD Rebuttable Presumption QM.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7507)<br> [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 did not disclose number of months for homeowner's insurance under Prepaids. (Final/01/XX/2019)<br> [1] Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 did not disclose number of months for Property Tax under Prepaids. (Final/01/XX/2019)<br> [1] Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Cash From To Borrower: TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 01/XX/2019 disclosed an Amount of Cash to Close that does not match the Final value of Cash to Close in the Calculating Cash to Close table. (Final/01/XX/2019)<br> [1] Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Closing Costs Paid At Closing: TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 01/XX/2019 disclosed a Closing Costs Paid at Closing that does not match the Total Closing Costs (Borrower-Paid) from page 2. (Final/01/XX/2019)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/XX/2019)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower. (7580)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower. (7507) | Federal Compliance - Check Loan Designation Match - QM: Loan is no longer agency eligible - please advise which guidelines are applicable.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of originator application date of 11/XX/2018. The earliest disclosure in the loan file is dated 12/XX/2018.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee disclosed was not disclosed on the initial LE dated 11/XX/2018 but disclosed as $XXX on subsequent LE disclosures and on the Final Closing Disclosure as $XXX. File does not contain a valid COC for this fee, nor evidence of cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.<br> Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: Final Closing Disclosure provided on 01/XX/2019 did not disclose number of months for homeowner's insurance under Prepaids<br> Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: Final Closing Disclosure provided on 01/XX/2019 did not disclose number of months for Property Tax under Prepaids.<br> Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Cash From To Borrower: The cash to borrower in the Summaries of Transactions table on page 3 of the final CD reflects cash to the borrower of $XXX; however the Calculating Cash to Close table at the top of page 3 indicates cash to the borrower of only $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Closing Costs Paid At Closing: Closing Costs Paid at Closing from the Summaries of Transactions table of $XXX does not match the total borrower paid closing costs on page 2 of the CD of $XXX (total of $XXX less the lender credit of 8,190.10)<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: The final CD did not reflect a tolerance cure of any kind.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: SitusAMC received required documents, exception is cured.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: SitusAMC received required documents, exception is cured. | BUYER - GENERAL COMMENT (2019/XX/04): Waived - accept dil desig<br> REVIEWER - WAIVED COMMENT (2019/XX/09): Client elected to waive the condition<br> BUYER - GENERAL COMMENT (2019/XX/04): Waived - 2<br> REVIEWER - WAIVED COMMENT (2019/XX/09): Client elected to waive the condition<br> SELLER - GENERAL COMMENT (2019/XX/05): 235 fee refunded for both issues<br> REVIEWER - GENERAL COMMENT (2019/XX/06): Received PCCD and LOE. A copy of the refund check is required to cure.<br> SELLER - GENERAL COMMENT (2019/XX/13): copy of check<br> REVIEWER - CURED COMMENT (2019/XX/13): SitusAMC received required documents, exception is cured.<br> SELLER - GENERAL COMMENT (2019/XX/05): post close CD with $XXX refunded for both fees<br> REVIEWER - GENERAL COMMENT (2019/XX/06): Received PCCD and LOE. A copy of the refund check is required to cure.<br> SELLER - GENERAL COMMENT (2019/XX/13): copy of check<br> REVIEWER - CURED COMMENT (2019/XX/13): SitusAMC received required documents, exception is cured.<br> BUYER - GENERAL COMMENT (2019/XX/04): Waived - 1<br> REVIEWER - WAIVED COMMENT (2019/XX/07): Client has elected to waive condition.<br> BUYER - GENERAL COMMENT (2019/XX/04): Waived - 1<br> REVIEWER - WAIVED COMMENT (2019/XX/07): Client has elected to waive condition.<br> BUYER - GENERAL COMMENT (2019/XX/04): Waived - 1<br> REVIEWER - WAIVED COMMENT (2019/XX/07): Client has elected to waive condition.<br> BUYER - GENERAL COMMENT (2019/XX/04): Waived - 1<br> REVIEWER - WAIVED COMMENT (2019/XX/07): Client has elected to waive condition.<br> BUYER - GENERAL COMMENT (2019/XX/04): Waived - 1<br> REVIEWER - WAIVED COMMENT (2019/XX/07): Client has elected to waive condition. | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Cash From To Borrower: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Closing Costs Paid At Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625774 | XXX | XXX |  | XXX | $XXX | FL | 3/XX/2019 | Primary | Purchase | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Defect reason provided on tape has been confirmed - COC - Missing; Loan was created in LOS system incorrectly. The first lien was duplicated in LOS and the 2nd lien loan information was not updated. This caused all loan documents to reflect incorrect information. COC for loan amount change was not sent within 3 days. | BUYER - GENERAL COMMENT (2019/XX/09): Waived - S&D REASON CONFIRMED.<br> REVIEWER - WAIVED COMMENT (2019/XX/09): Client elects to waive. | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - GSE Covered Balloon Test: GSE ATR Covered Loan Eligibility Requirements (Dodd-Frank 2014): Mortgage loan contains an impermissible balloon payment.<br> [3] Federal Compliance - GSE Covered Deferment of Principal: GSE ATR Covered Loan Eligibility Requirements (Dodd-Frank 2014): Terms of the subject loan provide for deferment of principal as an Interest Only loan.<br> [3] Federal Compliance - QM Balloon Test: Qualified Mortgage (Dodd-Frank 2014): Terms of the subject loan provide for impermissible balloon payment.<br> [3] Federal Compliance - QM Deferment of Principal: Qualified Mortgage (Dodd-Frank 2014): Terms of the subject loan provide for deferment of principal as an Interest Only loan.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table First Change: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 03/XX/2019 disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (Final/03/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed the Subsequent Changes period according to the disclosed Loan Product. (Final/03/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 03/XX/2019 did not disclose whether the loan contains Interest Only Payments. (Final/03/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 03/XX/2019 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/03/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure Balloon Payment: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed whether the loan contains a Balloon Payment. (Final/03/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 14,241.60 on Final Closing Disclosure provided on 03/XX/2019 not accurate. (Final/03/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/1069053)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate Initial Payment Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2019 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/1069053)<br> [2] Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/03/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Change After Closing: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed whether the Principal and Interest Payment can change. (Final/03/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed whether property taxes are included in escrow. (Final/03/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed whether the loan will have an escrow account. (Final/03/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed whether the loan will have an escrow account. (Final/03/XX/2019)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/03/XX/2019)<br> [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required.<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mcc Issuance Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7543)<br> [1] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.<br> [1] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [1] Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Sales Price: TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 03/XX/2019 did not disclose the Sales Price of Property. (Final/03/XX/2019)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/XX/2019)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/XX/2019)<br> [1] Federal Compliance - TRID Servicing Disclosure Status: File does not evidence the consumer was provided with the Servicing Disclosure. | Federal Compliance - Check Loan Designation Match - QM: Loan designation failure due to ATR failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: ATR failure due to excessive DTI. This exception will be cleared once all ATR specific exceptions have been cured/cleared.<br> Federal Compliance - QM Balloon Test: Unable to determine the lenders designation'Loan is an I/O loan for the term of the loan; the final CD did not disclose the balloon payment for the principal<br> Federal Compliance - QM Deferment of Principal: Unable to determine the lenders designation'Loan is an I/O loan for the term of the loan; the final CD did not disclose the balloon payment for the principal<br> Federal Compliance - QM DTI: AUS approved above 43%<br> Federal Compliance - TRID Final Closing Disclosure AP Table First Change: Loan is an I/O loan for the term of the loan; the final CD did not disclose the balloon payment for the principal<br> Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: Loan is an I/O loan for the term of the loan; the final CD did not disclose the balloon payment for the principal<br> Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment: Loan is an I/O loan for the term of the loan; the final CD did not disclose the balloon payment for the principal<br> Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction.<br> Federal Compliance - TRID Final Closing Disclosure Balloon Payment: Loan is an I/O loan for the term of the loan; the final CD did not disclose the balloon payment for the principal<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Test: Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Test: Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate Initial Payment Test: Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction.<br> Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow: Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest Change After Closing: Loan is an I/O loan for the term of the loan; the final CD did not disclose the balloon payment for the principal<br> Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction.<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Missing proof of receipt of the initial CD at least three business days prior to closing<br> Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: Missing initial LE and any re-disclosed LE's to confirm<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Missing initial LE and any re-disclosed LE's. 10% tolerance fee violation of $XXX.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee disclosed was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: Missing initial LE and any re-disclosed LE's to confirm<br> Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Sales Price: The sales price was not disclosed in the Summaries of Transactions on page 3 of the final CD<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Missing initial LE and any re-disclosed LE's. 10% tolerance fee violation of $XXX.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Erroneous Reg ID 2933. The fees in question were seller paid and captured from the seller's CD. It is customary the fees in question be paid by seller's in the state of CA.<br> Federal Compliance - TRID Servicing Disclosure Status: Missing initial LE and any re-disclosed LE's to confirm | BUYER - GENERAL COMMENT (2019/XX/09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM.<br> REVIEWER - WAIVED COMMENT (2019/XX/09): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM.<br> REVIEWER - WAIVED COMMENT (2019/XX/09): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/09): Waived - DTI BID 44%. S&D, ALSO PRICED AS NON ATR / NON QM.<br> REVIEWER - WAIVED COMMENT (2019/XX/09): Client elects to waive.<br> REVIEWER - CURED COMMENT (2019/XX/08): Cure provided on final CD | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - GSE Covered Deferment of Principal: An assignee may be unable to deliver the loan to the GSE's or be subject to repurchase obligations as a result of enforcement of representations and warranties.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - Unknown Loan Designation: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - TRID Final Closing Disclosure AP Table First Change: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Balloon Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate Initial Payment Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Principal and Interest Change After Closing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Sales Price: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625775 | XXX | XXX |  | XXX | $XXX | IL | 10/XX/2018 | Primary | Refinance Limited Cash-out GSE | Safe Harbor QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | Defect reason provided on tape has been confirmed. - Agency EPD<br> ...<br> The Pay History in file reflects the January 2019 payment was paid over 30 days past the due date. | BUYER - GENERAL COMMENT (2019/XX/30): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/31): Client acknowledges the exception. | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7727)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77163)<br> [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/XX/2018) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.<br> Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: Cure for various 0% tolerance violations in the amount of $XXX was not provided. Provide a post-close CD disclosing the tolerance cure of $XXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | BUYER - GENERAL COMMENT (2019/XX/30): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br> REVIEWER - WAIVED COMMENT (2019/XX/31): Client waives the exception.<br> BUYER - GENERAL COMMENT (2019/XX/30): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br> REVIEWER - WAIVED COMMENT (2019/XX/31): Client waives the exception. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |
| 285625776 | XXX | XXX |  | XXX | $XXX | PA | 3/XX/2018 | Primary | Refinance Cash-out - Other | Non QM | 3 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided<br> [1] Credit Eligibility - Public Record Issue:: Credit Report: Original // Public Record Type: Collections / Balance: XXX | Due diligence results confirm loan defect provided: Income Amount of child support and alimony received by the client were documented to be less than what was stated in the divorce decree; the income is not stable and cannot be used to qualify. The client was approved for $XXX/ month in alimony and $XXX per each minor child. One child will be 18 within three years of closing so the income was not considered in qualification. We obtained 6 months of bank statements to document receipt of the income. The bank statements do not show consistent receipt of the approved income. Post closing, the client stated she no longer receives the alimony income as she is back working again. The 6 months of bank statements fluctuate and do not show consistent receipt of the approved income.<br> Unable to determine whether the account is a mortgage, installment or revolving debt. | BUYER - GENERAL COMMENT (2019/XX/11): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client acknowledges the condition<br> BUYER - GENERAL COMMENT (2019/XX/11): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client elected to waive the condition | 1 |  |  |  | 3 | [3] Federal Compliance - Alimony Child Support Maintenance Income: Qualified Mortgage (Dodd-Frank 2014): Alimony/Child Support/Maintenance income verification requirement not met. (XXX Divorce Decree/Child Support)<br> [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [2] Federal Compliance - TRID Final Closing Disclosure Borrower Paid Other Costs Total Section F: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2018 disclosed total Prepaids (Section F) that does not match sum of fees. (Final/03/XX/2018)<br> [2] Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Borrower Paid - At Closing: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2018 disclosed Total Closing Costs (Paid by Borrower at Closing) that does not match sum of fees. (Final/03/XX/2018)<br> [2] Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Borrower Paid - Before Closing: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2018 disclosed Total Closing Costs (Paid by Borrower Before Closing) that does not match sum of fees. (Final/03/XX/2018)<br> [2] Federal Compliance - TRID Final Closing Disclosure Prepaid District Property Tax Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2018 did not disclose number of months for District Property Tax under Prepaids. (Final/03/XX/2018)<br> [1] Federal Compliance - TRID Final Closing Disclosure Prepaid Other 1 Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2018 did not disclose number of months for Overdue Taxes under Prepaids. (Final/03/XX/2018)<br> [1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/03/XX/2018) | Federal Compliance - Alimony Child Support Maintenance Income: Only 6 months bank statements were provided instead of Proof of 12 months Receipt.<br> Federal Compliance - Check Loan Designation Match - QM: $XXX in section B fees are paid to an Affiliate of the Originator Loan Designation of Temporary SHQM reflected on QM Findings Report. Lender, causing the Points and Fees on the subject loan of 7.44273% to exceed the allowable maximum of 5.00000% of the Federal Total Loan Amount.<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is no longer agency eligible - please advise which guidelines are applicable.<br> Federal Compliance - QM DTI: Loan is no longer agency eligible - please advise which guidelines are applicable.<br> Federal Compliance - TRID Final Closing Disclosure Borrower Paid Other Costs Total Section F: The sum of the fees in Section F calculates to $XXX, however, the CD incorrectly reflects $XXX as the total.<br> Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Borrower Paid - At Closing: The sum of the fees in Section F calculates to $XXX, however, the CD incorrectly reflects $XXX as the total, causing a discrepancy in the sum of fees.<br> Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Borrower Paid - Before Closing: Section F total does not match itemized fees.<br> Federal Compliance - TRID Final Closing Disclosure Prepaid District Property Tax Months: Delinquent county taxes missing months.<br> Federal Compliance - TRID Final Closing Disclosure Prepaid Other 1 Months: Final Closing Disclosure provided on 03/XX/2018 did not disclose number of months for Overdue Taxes under Prepaids<br> Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: Final Closing Disclosure provided on 03/XX/2018 disclosed a Total Interest Percentage of 34.274% that does not match the actual total interest percentage of 34.239% for the loan. | BUYER - GENERAL COMMENT (2019/XX/11): Waived - Issue is related to the known defect.<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client elected to waive the condition<br> BUYER - GENERAL COMMENT (2019/XX/11): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client acknowledges the condition<br> BUYER - GENERAL COMMENT (2019/XX/11): Waived - Loan was closed using agency guidelines so no additional documents can be supplied.<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client elected to waive the condition<br> BUYER - GENERAL COMMENT (2019/XX/11): Waived - Loan was closed using agency guidelines so no additional documents can be supplied.<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client elected to waive the condition<br> BUYER - GENERAL COMMENT (2019/XX/11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client elected to waive exception.<br> BUYER - GENERAL COMMENT (2019/XX/11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client elected to waive exception.<br> BUYER - GENERAL COMMENT (2019/XX/11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client elected to waive exception.<br> BUYER - GENERAL COMMENT (2019/XX/11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client elected to waive exception. | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - TRID Final Closing Disclosure Borrower Paid Other Costs Total Section F: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Borrower Paid - At Closing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Borrower Paid - Before Closing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Prepaid District Property Tax Months: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Prepaid Other 1 Months: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625777 | XXX | XXX |  | XXX | $XXX | IL | 3/XX/2018 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Application / Processing - Missing Document: Bankruptcy Documents not provided<br> [3] Application / Processing - Missing Document: Fraud Report not provided<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided | The bankruptcies were noted as discharged/Dismissed but no documents were located in the loan file.<br> Defect reason provided on tape of "Fraud: Fabricated income/employment docs. Relocation letter from employer is fabricated. Client had arranged to voluntarily separate with a severance, relocation was to start a business. Confirmation there was no transfer to a new role and client had left the company voluntarily to move to Illinois according to the client's previous employer," has not been confirmed. Employment was verified using The Work Number and a letter was obtained from the borrower's employer stating the borrower was being transferred to IL to secure a new position. The loan file contained no evidence to support the defect. | BUYER - GENERAL COMMENT (2019/XX/11): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client elected to waive the condition<br> BUYER - GENERAL COMMENT (2019/XX/11): Waived - XXX uses DataVerify as one of their primary resources for fraud prevention. The DataVerify/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to DataVerify and everything is paperless.<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client elected to waive the condition<br> BUYER - GENERAL COMMENT (2019/XX/11): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client acknowledges the condition | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure APR: TILA-RESPA Integrated Disclosure - Loan Calculations: APR of 5.01100% on Final Closing Disclosure provided on 03/XX/2018 is under-disclosed from the calculated APR of 5.23080% outside of 0.125% tolerance. (Final/03/XX/2018)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/03/XX/2018)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/XX/2018) | Federal Compliance - TRID Final Closing Disclosure APR: The APR of 5.011 was noted as under disclosed.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosure reflects Finance Charge of $XXX but the calculated Finance Charge was noted as $XXX for a Variance = -$XXX.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Erroneous Reg ID 4747. This Transfer Tax Fee of $XXX was seller paid, and is customarily paid by Seller in the state of IL.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Erroneous Reg ID 4747. These fees were seller paid, and is customarily paid by Seller in the state of IL. | BUYER - GENERAL COMMENT (2019/XX/11): Waived - Issue doesn't impact XXX's ability to purchase this loan as closed more than 1 year ago and is a purchase transaction.<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client elected to waive exception.<br> BUYER - GENERAL COMMENT (2019/XX/11): Waived - Issue doesn't impact XXX's ability to purchase this loan as closed more than 1 year ago and is a purchase transaction.<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client elected to waive exception.<br> BUYER - GENERAL COMMENT (2019/XX/11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client elected to waive exception. | Federal Compliance - TRID Final Closing Disclosure APR: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |
| 285625778 | XXX | XXX |  | XXX | $XXX | CA | 4/XX/2019 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided<br> [2] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. | Defect reason provided on tape has not been confirmed : Employment We received a recert VOE post close revealing our client was not employed through closing. Employment prior to close was properly verified. The loan file did not provide evidence to support the defect noted. Work Number reflects inactive for XXX, not present employer XXX.<br> The hazard policy noted XXX as the mortgagee rather than XXX Loans, Inc. | BUYER - GENERAL COMMENT (2019/XX/11): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client acknowledges the condition<br> BUYER - GENERAL COMMENT (2019/XX/11): Waived - Issue doesn't impact XXX's ability to purchase this loan given ISAOA language.<br> REVIEWER - WAIVED COMMENT (2019/XX/12): Client elected to waive the condition | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/XX/2019) | Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: Cure of $XXX was reflected, which is insufficient to cure $XXX. Provide a post-close CD disclosing the tolerance cure of $XXX, a copy of the refund check for remaining cure of $XXX, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |
| 285625779 | XXX | XXX | XXX | XXX | $XXX | SC | 12/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] State Compliance - (Pass Reg) South Carolina CHL Compliance: South Carolina Home Loan: Not Compliant |  |  | Federal Compliance - Federal FACTA Disclosure: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  |  |  |
| 285625780 | XXX | XXX |  | XXX | $XXX | GA | 6/XX/2017 | Primary | Refinance Rate/Term |  | 3 | 3 | [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX.<br> [3] Guideline Issue - Case # Assignment does not indicate "All borrowers passed SSN validation".<br> [3] Government Documentation - FHA - Informed Choice Disclosure was not provided within three days of the application date.: Disclosure: FHA - Informed Choice Disclosure (Government Documents)<br> [3] Income Documentation - Income Docs Missing:: Borrower: XXX VVOE - Employment Only<br> [3] Application / Processing - Missing Document: General Services Administration (GSA) not provided<br> [3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided<br> [3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided<br> [2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) | Case # Warning: Pending Borrower Validation<br> Missing dated and signed form<br> Missing VOE within 10 days of close.<br> Missing General Services Administration (GSA).<br> Missing Limited Denials of Participation (LDP).<br> Mortgage Insurance Certificate and Mortgage Insurance Evidence missing.<br> Defect reason provided on tape has not been confirmed :Borrower was a wage earner at time of close but has since become self-employed. File originally closed short of seasoning requirements. File currently in loan mod.<br> Missing dated and signed form | BUYER - GENERAL COMMENT (2019/XX/25): Waived - not a concern - aged loan<br> REVIEWER - WAIVED COMMENT (2019/XX/27): Client waives exception.<br> BUYER - GENERAL COMMENT (2019/XX/25): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2019/XX/27): Client waives exception.<br> BUYER - GENERAL COMMENT (2019/XX/25): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2019/XX/27): Client waives exception.<br> BUYER - GENERAL COMMENT (2019/XX/25): Waived - not a concern - aged loan<br> REVIEWER - WAIVED COMMENT (2019/XX/27): Client waives exception.<br> BUYER - GENERAL COMMENT (2019/XX/25): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2019/XX/27): Client waives exception.<br> BUYER - GENERAL COMMENT (2019/XX/25): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2019/XX/27): Client waives exception.<br> BUYER - GENERAL COMMENT (2019/XX/25): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2019/XX/27): Client waives exception.<br> BUYER - GENERAL COMMENT (2019/XX/25): Acknowledged<br> REVIEWER - WAIVED COMMENT (2019/XX/27): Client acknowledges exception.<br> BUYER - GENERAL COMMENT (2019/XX/25): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2019/XX/27): Client waives exception. | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/04/XX/2017)<br> [1] Federal Compliance - TRID Final Closing Disclosure Negative Fees: TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on 06/XX/2017 disclosed a negative fee amount. (Final/06/XX/2017) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Missing<br> Federal Compliance - TRID Final Closing Disclosure Negative Fees: Closing Disclosure Negative Fees | BUYER - GENERAL COMMENT (2019/XX/25): Waived - 2<br> REVIEWER - WAIVED COMMENT (2019/XX/27): Client waives exception. | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - TRID Final Closing Disclosure Negative Fees: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |
| 285625781 | XXX | XXX |  | XXX | $XXX | CA | 5/XX/2019 | Primary | Purchase | Non QM | 3 | 3 | [3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided<br> [1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured | File is missing evidence of the Mortgage Insurance Certificate other Mortgage Insurance Evidence.<br> Defect reason provided on tape has been confirmed - Uninsured FHA loan - appraisal was good for 150 days we funded on day 151.\*\*\* Appraisal was dated more than 150 days prior to Note date. | BUYER - GENERAL COMMENT (2020/XX/08): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2020/XX/09): Client elected to waive the condition<br> BUYER - GENERAL COMMENT (2020/XX/08): Acknowledged<br> REVIEWER - WAIVED COMMENT (2020/XX/09): Client Acknowledges the condition<br> BUYER - GENERAL COMMENT (2020/XX/08): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2020/XX/09): Client elected to waive the condition | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.<br> [3] Federal Compliance - Overtime Bonus Method of Calculation: Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. (XXX XXX/Overtime)<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [1] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Federal Compliance - Check Loan Designation Match - QM: Originator Loan Designation of HUD Safe Harbor QM noted on Mavent report.<br> Federal Compliance - HUD QM AU Finding Fail: Uninsured FHA loan - appraisal was good for 150 days and loan funded on day 151.<br> Federal Compliance - Overtime Bonus Method of Calculation: Used previous years OT average due to raise that borrower received on 01/01//2019. Loan is no longer agency eligible - please advise which guidelines are applicable.<br> Federal Compliance - QM DTI: Loan is no longer agency eligible - please advise which guidelines are applicable.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Confirmed | BUYER - GENERAL COMMENT (2020/XX/08): Waived - accept dil desig<br> REVIEWER - WAIVED COMMENT (2020/XX/09): Client elected to waive the condition<br> BUYER - GENERAL COMMENT (2020/XX/08): Waived - stated defect<br> REVIEWER - WAIVED COMMENT (2020/XX/09): Client elected to waive the condition<br> BUYER - GENERAL COMMENT (2020/XX/08): Waived - priced as atr fail<br> REVIEWER - WAIVED COMMENT (2020/XX/09): Client elected to waive the condition<br> BUYER - GENERAL COMMENT (2020/XX/08): Waived - priced as atr fail<br> REVIEWER - WAIVED COMMENT (2020/XX/09): Client elected to waive the condition<br> BUYER - GENERAL COMMENT (2020/XX/08): Waived - 2<br> REVIEWER - WAIVED COMMENT (2020/XX/09): Client elected to waive the condition | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | Out | TILA ATR/QM |
| 285625782 | XXX | XXX |  | XXX | $XXX | NV | 8/XX/2019 | Primary | Purchase | Temporary HPQM (GSE/Agency Eligible) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $XXX due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | BUYER - GENERAL COMMENT (2020/XX/14): Waived - S&D PRICED AS NON ATR / NON QM. SELLER NOTIFIED NO ASSIGNEE LIABILITY.<br> REVIEWER - WAIVED COMMENT (2020/XX/14): Client elects to waive |  |  |  |  |  |
| 285625783 | XXX | XXX |  | XXX | $XXX | WA | 5/XX/2020 | Primary | Refinance Cash-out - Other | Safe Harbor QM | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | The property is located in WA. Provide a post-disaster inspection verifying there was no damage from XXX. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX.<br> AUS in file requires a full appraisal. The file is missing a copy of the appraisal.<br> No appraisal was provided and loan is not salable. | BUYER - GENERAL COMMENT (2020/XX/24): Waived - BPO obtained as part of diligence shows no evidence of damage.<br> REVIEWER - WAIVED COMMENT (2020/XX/27): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/24): Waived - Issue is related to the known defect.<br> REVIEWER - WAIVED COMMENT (2020/XX/27): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/24): Waived - Issue is related to the known defect.<br> REVIEWER - WAIVED COMMENT (2020/XX/27): Client has elected to waive | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Interim Closing Disclosure Timing: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on 05/XX/2020 contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation | Federal Compliance - TRID Interim Closing Disclosure Timing: CD issued on 05/XX/2020 with change of APR was not provided to the borrower at least 3 days prior to closing. | BUYER - GENERAL COMMENT (2020/XX/24): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br> REVIEWER - WAIVED COMMENT (2020/XX/24): Client elects to waive exception. | Federal Compliance - TRID Interim Closing Disclosure Timing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  |  |
| 285625784 | XXX | XXX |  | XXX | $XXX | GA | 6/XX/2020 | Primary | Purchase | Safe Harbor QM | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $XXX is less than AUS qualifying asset balance of $XXX.<br> [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [3] Miscellaneous - Credit Exception:<br> [3] General - Flood Certificate Subject Address does not match Note address.<br> [3] Insurance Analysis - Insurance address does not match Note address.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | DU shows $XXX, statements provided show $XXX, variance of $XXX, updated AUS not provided<br> Homebuyer education course was required by DU for one or both borrowers, no proof education course was completed<br> Note City is invalid. Note shows city as XXX, GA but correct city should be XXX, GA.<br> Flood cert address matches USPS address<br> Insurance address matches USPS address<br> Framework Homebuyer Education Completion certificate was not provided as required by AUS | BUYER - GENERAL COMMENT (2020/XX/24): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2020/XX/27): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/24): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2020/XX/27): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/24): Acknowledged<br> REVIEWER - WAIVED COMMENT (2020/XX/27): Client acknowledged the condition<br> BUYER - GENERAL COMMENT (2020/XX/24): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2020/XX/27): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/24): Waived - XXX<br> REVIEWER - WAIVED COMMENT (2020/XX/27): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/24): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2020/XX/27): Client has elected to waive | 1 |  |  |  | 2 | [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/5640161)<br> [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Start/End date of current/previous employment not verified.<br> Federal Compliance - (Missing Data) Last Rate Set Date: Rate lock agreement/information not provided | BUYER - GENERAL COMMENT (2020/XX/24): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2020/XX/27): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/24): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2020/XX/27): Client has elected to waive |  |  |  |  |  |
| 285625785 | XXX | XXX |  | XXX | $XXX | MI | 11/XX/2019 | Primary | Purchase | Safe Harbor QM | 3 | 3 | [3] Application / Processing - GSA results indicate loan originator excluded from eligibility.<br> [3] Missing Document - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | FHA connection transferred the case number to Van Dyk Mortgage and a different borrower. Lender correspondence. Missing case number showing the incorrect case number and different borrower with date it was assigned. Not present in file only lender correspondence. | BUYER - GENERAL COMMENT (2020/XX/04): Waived - FHA uninsured/stated defect<br> REVIEWER - WAIVED COMMENT (2020/XX/04): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/04): Waived - stated defect/fha uninsured<br> REVIEWER - WAIVED COMMENT (2020/XX/04): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/04): Acknowledged<br> REVIEWER - WAIVED COMMENT (2020/XX/04): Client acknowledged the condition | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM.<br> [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.<br> [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 11/XX/2019 disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. (Final/11/XX/2019)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7729)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77163)<br> [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2019) | Federal Compliance - Check Loan Designation Match - QM: Mavent report indicates FHA Qualified Mortgage Safe Harbor<br> Federal Compliance - HUD QM AU Finding Fail: Mavent report indicates FHA Qualified Mortgage Safe Harbor<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. in the amount of $XXX<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan estimate 11/XX/2019 did not disclose a Transfer Tax fee; however, the fee was disclosed on the borrower final CD as $XXX with no COC or cure to borrower<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan estimate 11/XX/2019 did disclose a Title- Lender's Title Insurance fee for $XXX; however, the fee was disclosed on the borrower final CD as $XXX with no COC or cure to borrower<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan estimate 11/XX/2019 did not disclose a Title- search fee Chain of title fee; however, the fee was disclosed on the borrower final CD as $XXX with no COC or cure to borrower | BUYER - GENERAL COMMENT (2020/XX/04): Waived - accept dil desig<br> REVIEWER - WAIVED COMMENT (2020/XX/04): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/04): Waived - FHA uninsured<br> REVIEWER - WAIVED COMMENT (2020/XX/04): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/04): Waived - DD level 2<br> REVIEWER - WAIVED COMMENT (2020/XX/04): Client elects to waive<br> BUYER - GENERAL COMMENT (2020/XX/04): Waived - no assignee liability<br> REVIEWER - WAIVED COMMENT (2020/XX/04): Client elects to waive<br> BUYER - GENERAL COMMENT (2020/XX/04): Waived - no assignee liability<br> REVIEWER - WAIVED COMMENT (2020/XX/04): Client elects to waive<br> BUYER - GENERAL COMMENT (2020/XX/04): Waived - no assignee liability<br> REVIEWER - WAIVED COMMENT (2020/XX/04): Client elects to waive<br> BUYER - GENERAL COMMENT (2020/XX/04): Waived - no assignee liability<br> REVIEWER - WAIVED COMMENT (2020/XX/04): Client elects to waive<br> BUYER - GENERAL COMMENT (2020/XX/04): Waived - DD level 1<br> REVIEWER - WAIVED COMMENT (2020/XX/04): Client has elected to waive | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Material violations for inaccurate disclosures carry assignee liability. <br> Non-material if amounts disclosed includes both borrower and non-borrower paid escrow amounts.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |
| 285625786 | XXX | XXX |  | XXX | $XXX | GA | 5/XX/2020 | Primary | Purchase | Non QM | 3 | 3 | [3] Guideline Issue - FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required.: Borrower's total contribution is 3.13884% ($XXX).<br> [3] Missing Document - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided | False fail-Borrower's MRI is met.<br> Loan is not insurable due to DTI exceeds 43%.<br> Defect reason provided on tape has been confirmed - UNABLE TO VALIDATE INCOME. DTI WAS AT 43.168% - \*\*\*Total Debt to Income Ratio exceeds 43% due to the calculation of Child Support Income. The lender documented monthly amount for child support is $XXX however the Child Support Court Order provided in the loan file along with deposits on the bank statements all reflect a monthly income of $XXX. | BUYER - GENERAL COMMENT (2020/XX/16): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2020/XX/17): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/16): Waived - priced as atr fail<br> REVIEWER - WAIVED COMMENT (2020/XX/17): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/16): Acknowledged<br> REVIEWER - WAIVED COMMENT (2020/XX/17): Client acknowledged the condition | 1 |  |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7723) | Federal Compliance - Check Loan Designation Match - QM: Safe Harbor requirements not satisfied. appraisal requirements not met<br> Federal Compliance - HUD QM AU Finding Fail: Loan is not eligible for FHA insurance.<br> Federal Compliance - QM DTI: Total Debt to Income Ratio exceeds 43% due to the calculation of Child Support Income. The lender documented monthly amount for child support is $XXX however the Child Support Court Order provided in the loan file along with deposits on the bank statements all reflect a monthly income of $XXX.<br> Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: Safe Harbor issue unknown.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the borrower for tolerance overages | BUYER - GENERAL COMMENT (2020/XX/16): Waived - accept dil desig<br> REVIEWER - WAIVED COMMENT (2020/XX/17): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/16): Waived - uninsured<br> REVIEWER - WAIVED COMMENT (2020/XX/17): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/16): Waived - priced as atr fail<br> REVIEWER - WAIVED COMMENT (2020/XX/17): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/16): Waived - 2<br> REVIEWER - WAIVED COMMENT (2020/XX/17): Client has elected to waive<br> BUYER - GENERAL COMMENT (2020/XX/16): Waived - seller pd<br> REVIEWER - WAIVED COMMENT (2020/XX/17): Client has elected to waive | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM |

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![](tm2520117d1_ex99-2img003.jpg)

**Exception Standard Report**

**Run Date - 6/XX/2025 3:59:59 PM** 

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| **Unique ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Loan Exception ID** | **Exception ID** | **Investor Loan Number** | **Last Name** | **Purpose** | **Occupancy** | **Note Date** | **State** | **Original Loan Amount** | **Loan Status** | **Exception Date** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Statute of Limitation Date** | **Comments** |
| 285625728 | XXX | XXX |  | 7893066 | 2924 |  | XXX | Refinance Cash-out - Other | Primary | 9/XX/2017 | NC | $XXX | Loan Review Complete | 9/XX/2018 5:13:16 PM | Loan Package Documentation | Application / Processing | Credit | cleared | 9/XX/2018 | 1 | Missing Document: Fraud Report not provided |  |  |  |  | Reviewer Comment (2018/XX/24): The seller provided fraud report |
| 285625728 | XXX | XXX |  | 7895516 | 6572 |  | XXX | Refinance Cash-out - Other | Primary | 9/XX/2017 | NC | $XXX | Loan Review Complete | 9/XX/2018 5:13:16 PM | Compliance | Federal Compliance | Compliance | cleared | 9/XX/2018 | 1 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2017) | Proof of appraisal receipt 3 days prior to or at closing, was not provided. |  |  | Reviewer Comment (2018/XX/24): The seller provided evidence of receipt |
| 285625728 | XXX | XXX |  | 7895520 | 6297 |  | XXX | Refinance Cash-out - Other | Primary | 9/XX/2017 | NC | $XXX | Loan Review Complete | 9/XX/2018 5:13:16 PM | Compliance | Federal Compliance | Compliance | cleared | 9/XX/2018 | 1 | TRID Esign Consent Agreement Status | ESIGN Act – Loan file does not contain evidence of borrower's consent to receive electronic disclosures. | E-Sign Disclosure was not present in loan file. |  | 9/XX/2018 | Reviewer Comment (2018/XX/24): the seller provided e consent |
| 285625728 | XXX | XXX |  | 7895521 | 5320 |  | XXX | Refinance Cash-out - Other | Primary | 9/XX/2017 | NC | $XXX | Loan Review Complete | 9/XX/2018 5:13:16 PM | Compliance | Federal Compliance | Compliance | open |  | 1 | TRID Final Closing Disclosure Negative Fees | TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on 09/XX/2017 disclosed a negative fee amount. (Final/09/XX/2017) | Final Closing Disclosure provided on 09/XX/2017 disclosed a negative fee amount disclosed in section H |  | 9/XX/2018 | Seller Comment (2018/XX/24): Escrow rollovers are a credit, and should, therefore, be reflected as a negative number.<br>Reviewer Comment (2018/XX/24): Exception referred to Buyer for review and disposition. |
| 285625728 | XXX | XXX |  | 7895601 | 23698 |  | XXX | Refinance Cash-out - Other | Primary | 9/XX/2017 | NC | $XXX | Loan Review Complete | 9/XX/2018 5:13:16 PM | Credit | Credit Documentation | Credit | cleared | 9/XX/2018 | 1 | No evidence of fraud report in file | Credit Report: Original // Borrower: XXX | File is missing Fraud Report. |  |  | Reviewer Comment (2018/XX/24): The seller provided fraud report |
| 285625728 | XXX | XXX |  | 7920912 | 5290 |  | XXX | Refinance Cash-out - Other | Primary | 9/XX/2017 | NC | $XXX | Loan Review Complete | 9/XX/2018 5:13:16 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 10/XX/2018 | 2 | Due Diligence results do not confirm loan defect provided |  | Defect reason provided on tape has not been confirmed - an updated credit report reflected an undisclosed mortgage liability of $XXX/month; this increases the DTI above tolerance and the loan is Ineligible. |  |  | Seller Comment (2018/XX/24): Exception referred to Buyer for review and disposition.<br> Please waive – Exception Related to defect stated<br>Buyer Comment (2018/XX/08): Defect was priced for at the time of bid. |
| 285625729 | XXX | XXX |  | 8015336 | 855 |  | XXX | Purchase | Primary | 5/XX/2006 | NY | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Loan Package Documentation | Application / Processing | Credit | open |  | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |
| 285625729 | XXX | XXX |  | 8015402 | 23688 |  | XXX | Purchase | Primary | 5/XX/2006 | NY | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Insurance | Insurance Analysis | Credit | cleared | 9/XX/2018 | 1 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | 1025 estimated cost new is $XXX with hazard insurance coverage of $XXX. |  |  | Reviewer Comment (2018/XX/28): After further review exception has been cleared |
| 285625729 | XXX | XXX |  | 8015431 | 2909 |  | XXX | Purchase | Primary | 5/XX/2006 | NY | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Credit | open |  | 3 | Missing Document: Note - Subordinate Lien not provided |  | Subordinate Lien Note was not provided. |  |  |  |
| 285625729 | XXX | XXX |  | 8015438 | 2868 |  | XXX | Purchase | Primary | 5/XX/2006 | NY | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Loan Package Documentation | Application / Processing | Credit | open |  | 3 | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase contract is missing. |  |  |  |
| 285625729 | XXX | XXX |  | 8015863 | 1159 |  | XXX | Purchase | Primary | 5/XX/2006 | NY | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.84527% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .84527%). | Points and Fees on subject loan of 5.84527% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. |  |  |  |
| 285625729 | XXX | XXX |  | 8027195 | 5289 |  | XXX | Purchase | Primary | 5/XX/2006 | NY | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | open |  | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed. CLTV (79.697%) and HCLTV (79.697%) exceeds standard eligibility requirements per FNMA for a 3-4 unit property. The LTV cannot exceed 75%. |  |  |  |
| 285625730 | XXX | XXX |  | 7988815 | 2924 |  | XXX | Purchase | Primary | 2/XX/2018 | NV | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Loan Package Documentation | Application / Processing | Credit | open |  | 3 | Missing Document: Fraud Report not provided |  | The Fraud Report is missing from the loan file. |  |  | Reviewer Comment (2018/XX/28): The seller provided the Credit Report Please provide the Fraud Report |
| 285625730 | XXX | XXX |  | 7988819 | 23698 |  | XXX | Purchase | Primary | 2/XX/2018 | NV | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Credit | Credit Documentation | Credit | open |  | 3 | No evidence of fraud report in file | Credit Report: Original // Borrower: XXX |  |  |  | Reviewer Comment (2018/XX/28): The seller provided the Credit Report Please provide the Fraud Report |
| 285625730 | XXX | XXX |  | 7988850 | 6583 |  | XXX | Purchase | Primary | 2/XX/2018 | NV | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Compliance | Federal Compliance | Compliance | cured | 9/XX/2018 | 1 | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Compliance Audit / Quality Control Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (75108) |  |  | 2/XX/2019 |  |
| 285625730 | XXX | XXX |  | 7988942 | 4613 |  | XXX | Purchase | Primary | 2/XX/2018 | NV | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Compliance | Federal Compliance | Compliance | cured | 9/XX/2018 | 1 | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/02/XX/2018) | The Final CD reflected an annual hazard amount of $XXX and a monthly amount of $XXX. The actual hazard premium is $XXX, or $XXX monthly. A post close CD dated 6/XX/18 disclosed the corrected amount as $XXX with a monthly amount of $XXX. |  | 2/XX/2019 | Reviewer Comment (2018/XX/12): The seller provided correct PCCD dated 6/XX/2018 |
| 285625730 | XXX | XXX |  | 7993092 | 6516 |  | XXX | Purchase | Primary | 2/XX/2018 | NV | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | open |  | 3 | AUS/Guideline Findings: All conditions were not met |  | HFA Loan. Undisclosed debt obtained prior to closing. AUS updated now Refer/Caution. Manual Underwrite not allowed. Final DTI is 40.02%. Actual findings: A post close credit report dated 05/XX18 Disclosed 2 undisclosed debts opened 2/2018. One installment with a payment of $XXX and a balance of $XXX and one revolving with a $XXX payment, a balance of $XXX and limit of $XXX. DTI including undisclosed debt is 57.94152%. Unable to verify if it was discovered prior to closing. Borrower acknowledged the credit inquiries but no new debt was acknowledged. A post closed Verification of Deposit/Statement reflects the revolving account was opened on 2/XX/18 and the date of consummation was 2/XX/18. |  |  |  |
| 285625731 | XXX | XXX |  | 8012458 | 2840 |  | XXX | Refinance Cash-out - Debt Consolidation | Primary | 10/XX/2017 | CO | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Loan Package Documentation | Application / Processing | Credit | open |  | 3 | Missing Document: General Services Administration (GSA) not provided |  | GSA search results was not provided to verify information at the time of review. |  |  |  |
| 285625731 | XXX | XXX |  | 8012459 | 2853 |  | XXX | Refinance Cash-out - Debt Consolidation | Primary | 10/XX/2017 | CO | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Loan Package Documentation | Application / Processing | Credit | open |  | 3 | Missing Document: Limited Denials of Participation (LDP) not provided |  | LDP search results was not provided to verify information at the time of review. |  |  |  |
| 285625731 | XXX | XXX |  | 8012470 | 5289 |  | XXX | Refinance Cash-out - Debt Consolidation | Primary | 10/XX/2017 | CO | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | open |  | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided and has been confirmed - Loan not eligible for FHA Insurance due to 1x30 within last 12 mos from Note date. |  |  |  |
| 285625731 | XXX | XXX |  | 8012473 | 22153 |  | XXX | Refinance Cash-out - Debt Consolidation | Primary | 10/XX/2017 | CO | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Insurance | Insurance Documentation | Credit | open |  | 3 | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  |  |  |
| 285625731 | XXX | XXX |  | 8012477 | 22924 |  | XXX | Refinance Cash-out - Debt Consolidation | Primary | 10/XX/2017 | CO | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Guideline | Guideline Issue | Credit | open |  | 3 | Aged document: Asset Account is more than 120 days prior to the note. | Financial Institution: XXX // Account Type: 401(k)/403(b) Account / Account Number: XXX | Retirement Account / End Date: 05/XX/2017 // Account Type: 401(k)/403(b) Account / Account Number: XXX: Asset Account date is more than 120 days prior to the Note date or notary date of 10/XX/2017 and is not a quarterly statement with prior balance. |  |  |  |
| 285625731 | XXX | XXX |  | 8012483 | 1198 |  | XXX | Refinance Cash-out - Debt Consolidation | Primary | 10/XX/2017 | CO | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Compliance | Federal Compliance | Compliance | open |  | 3 | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | Mortgage was 1x30 within 12 mos from Note date. |  |  |  |
| 285625731 | XXX | XXX |  | 8012486 | 3867 |  | XXX | Refinance Cash-out - Debt Consolidation | Primary | 10/XX/2017 | CO | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Compliance | Federal Compliance | Compliance | open |  | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  |  |  |
| 285625731 | XXX | XXX |  | 8012487 | 1257 |  | XXX | Refinance Cash-out - Debt Consolidation | Primary | 10/XX/2017 | CO | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Compliance | Federal Compliance | Compliance | open |  | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | U/W missed a mortgage late in 5/2017, which deems the loan ineligible for FHA. |  |  |  |
| 285625731 | XXX | XXX |  | 8012488 | 4846 |  | XXX | Refinance Cash-out - Debt Consolidation | Primary | 10/XX/2017 | CO | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Compliance | Federal Compliance | Compliance | open |  | 1 | TRID Final Closing Disclosure Without Seller - Closing Costs Financed | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2017 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/10/XX/2017) | Cash to Close table did not disclose the correct dollar figure for Closing Costs Financed (Paid from your Loan Amount). |  | 10/XX/2018 |  |
| 285625731 | XXX | XXX |  | 8027401 | 5008 |  | XXX | Refinance Cash-out - Debt Consolidation | Primary | 10/XX/2017 | CO | $XXX | Loan Review Complete | 9/XX/2018 12:26:29 PM | Insurance | Insurance Eligibility | Credit | open |  | 1 | Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured |  |  |  |  |  |
| 285625732 | XXX | XXX |  | 8473101 | 2828 |  | XXX | Purchase | Primary | 10/XX/2017 | OR | $XXX | Loan Review Complete | 10/XX/2018 8:26:30 AM | Loan Package Documentation | Application / Processing | Credit | waived | 12/XX/2018 | 3 | Missing Document: Divorce Decree / Child Support not provided |  | 1003 Shows borrowers are obligated to pay child support |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625732 | XXX | XXX |  | 8473151 | 2837 |  | XXX | Purchase | Primary | 10/XX/2017 | OR | $XXX | Loan Review Complete | 10/XX/2018 8:26:30 AM | Loan Package Documentation | Application / Processing | Credit | waived | 12/XX/2018 | 3 | Missing Document: Foreclosure not provided |  | Per 1003 Borrowers disclosed a Foreclosure in the past 7 years on the application, no other details regarding foreclosure have been provided. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625732 | XXX | XXX |  | 8473781 | 5289 |  | XXX | Purchase | Primary | 10/XX/2017 | OR | $XXX | Loan Review Complete | 10/XX/2018 8:26:30 AM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 12/XX/2018 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed - Not Guaranteed. Veteran has no unencumbered entitlement. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625732 | XXX | XXX |  | 8474056 | 21827 |  | XXX | Purchase | Primary | 10/XX/2017 | OR | $XXX | Loan Review Complete | 10/XX/2018 8:26:30 AM | Loan Package Documentation | Government Documentation | Credit | waived | 12/XX/2018 | 3 | VA Loan Disbursement Form 26- 1820 is not compliant. | Disclosure: VA - Loan Disbursement Form 26- 1820 (Government Documents) | Form must reflect accurate information and be properly signed by both the lender and borrower to be compliant. This form was not singed by the lender. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625732 | XXX | XXX |  | 8474070 | 23503 |  | XXX | Purchase | Primary | 10/XX/2017 | OR | $XXX | Loan Review Complete | 10/XX/2018 8:26:30 AM | Loan Package Documentation | Government Documentation | Credit | waived | 12/XX/2018 | 3 | Loan Guaranty Certificate is missing. | Disclosure: VA - Loan Guaranty Certificate (Government Documents) | Exception fired due to loan defect, Referred to buyer for final review and disposition. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625732 | XXX | XXX |  | 8475639 | 1205 |  | XXX | Purchase | Primary | 10/XX/2017 | OR | $XXX | Loan Review Complete | 10/XX/2018 8:26:30 AM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 2 | Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | There is no evidence that the Loan Originator Compensation disclosure was provided to the borrower. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625732 | XXX | XXX |  | 8475641 | 7115 |  | XXX | Purchase | Primary | 10/XX/2017 | OR | $XXX | Loan Review Complete | 10/XX/2018 8:26:30 AM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 1 | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement reflects $XXX while Final Closing Disclosure reflects $XXX. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625732 | XXX | XXX |  | 8475976 | 4404 |  | XXX | Purchase | Primary | 10/XX/2017 | OR | $XXX | Loan Review Complete | 10/XX/2018 8:26:30 AM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 1 | TRID Final Closing Disclosure Total Interest Percentage | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2017 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/10/XX/2017) | Final Closing Disclosure provided on 10/XX/2017 disclosed a Total Interest Percentage of 86.866% that does not match the actual total interest percentage for the loan of 66.72%. This is because the disclosed TIP was based on the prepaid interest amount of $XXX and the actual total interest percentage did not factor this amount in. The prepaid interest was paid by the Seller at closing. |  | 10/XX/2018 | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625732 | XXX | XXX |  | 8475978 | 4826 |  | XXX | Purchase | Primary | 10/XX/2017 | OR | $XXX | Loan Review Complete | 10/XX/2018 8:26:30 AM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/XX/2017) | Final Closing Disclosure provided on 10/XX/2017 did not disclose an amount by which the Total Closing Costs exceeded the legal limit. |  | 10/XX/2018 | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625732 | XXX | XXX |  | 8475987 | 6542 |  | XXX | Purchase | Primary | 10/XX/2017 | OR | $XXX | Loan Review Complete | 10/XX/2018 8:26:30 AM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Release Tracking Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77211) | Zero Percent Fee Tolerance exceeded for Title - Release Tracking Fee Amount of $XXX exceeds tolerance of $XXX. No cure or valid Change of Circumstance was provided to the borrower for this Seller paid fee. |  | 10/XX/2018 | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625732 | XXX | XXX |  | 8491285 | 6542 |  | XXX | Purchase | Primary | 10/XX/2017 | OR | $XXX | Loan Review Complete | 10/XX/2018 8:26:30 AM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77183) | Zero Percent Fee Tolerance exceeded for Title - Service Charges Fee Amount of $XXX exceeds tolerance of $XXX. No cure or valid Change of Circumstance was provided to the borrower for this Seller paid fee. |  | 10/XX/2018 | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625732 | XXX | XXX |  | 8491726 | 17648 |  | XXX | Purchase | Primary | 10/XX/2017 | OR | $XXX | Loan Review Complete | 10/XX/2018 8:26:30 AM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 1 | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/10/XX/2017) | The Seller's CD reflects fees totaling $XXX, while the Buyer's CD reflects $XXX, a difference of $XXX. The Buyer CD includes $XXX in fees paid by the Seller which are not detailed in the Seller CD (Seller Credit of $XXX on page 1). The Seller CE includes $XXX in fees not reflected in the Buyer's CD. The net difference is $XXX. |  | 10/XX/2018 | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625732 | XXX | XXX |  | 8532555 | 2802 |  | XXX | Purchase | Primary | 10/XX/2017 | OR | $XXX | Loan Review Complete | 10/XX/2018 8:26:30 AM | Loan Package Documentation | Application / Processing | Compliance | waived | 12/XX/2018 | 1 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625732 | XXX | XXX |  | 8532983 | 6295 |  | XXX | Purchase | Primary | 10/XX/2017 | OR | $XXX | Loan Review Complete | 10/XX/2018 8:26:30 AM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 1 | TRID Loan Estimate Esign Consent Agreement Timing | ESIGN Act - Loan Estimate provided on 10/XX/2017 was electronically provided prior to borrower's consent to receive electronic disclosures. (Interim/10/XX/2017) | Unable to determine consent for Broker e-sign; date is based on documented acceptance from Lender tracking. |  | 10/XX/2018 | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625733 | XXX | XXX |  | 8565615 | 855 |  | XXX | Purchase | Primary | 1/XX/2017 | FL | $XXX | Loan Review Complete | 10/XX/2018 12:02:39 PM | Loan Package Documentation | Application / Processing | Credit | waived | 12/XX/2018 | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The file does not include a Post-Disaster Inspection. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625733 | XXX | XXX |  | 8565701 | 23688 |  | XXX | Purchase | Primary | 1/XX/2017 | FL | $XXX | Loan Review Complete | 10/XX/2018 12:02:39 PM | Insurance | Insurance Analysis | Credit | waived | 12/XX/2018 | 3 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Dwelling coverage on HO-3 insufficient, short $XXX of $XXX estimated cost new provided by appraiser. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625733 | XXX | XXX |  | 8566076 | 3867 |  | XXX | Purchase | Primary | 1/XX/2017 | FL | $XXX | Loan Review Complete | 10/XX/2018 12:02:39 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Compliance Report. indicated the loan was originated as Safe Harbor QM, however, due to Appendix Q issue and debt added after application, the review findings indicate Non-QM. The Defect is valid. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625733 | XXX | XXX |  | 8566078 | 4826 |  | XXX | Purchase | Primary | 1/XX/2017 | FL | $XXX | Loan Review Complete | 10/XX/2018 12:02:39 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/XX/2017) | Figure not provided, field blank. No cure provided for overages. |  | 1/XX/2018 | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625733 | XXX | XXX |  | 8566079 | 4276 |  | XXX | Purchase | Primary | 1/XX/2017 | FL | $XXX | Loan Review Complete | 10/XX/2018 12:02:39 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/01/XX/2017) | Evidence of earlier receipt missing from file. |  | 1/XX/2018 | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625733 | XXX | XXX |  | 8566080 | 17648 |  | XXX | Purchase | Primary | 1/XX/2017 | FL | $XXX | Loan Review Complete | 10/XX/2018 12:02:39 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 1 | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/01/XX/2017) | Seller paid fees in the Seller CD totaled $XXX; Seller paid fees in the Buyer's CD totaled $XXX, a difference of $XXX caused primarily by Seller payments to Third parties not reflected in the Buyer's CD. In addition, several fees in common reflected different totals and were adjusted for compliance testing. |  | 1/XX/2018 | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625733 | XXX | XXX |  | 8566081 | 6542 |  | XXX | Purchase | Primary | 1/XX/2017 | FL | $XXX | Loan Review Complete | 10/XX/2018 12:02:39 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Statutory Surcharge. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77219) | No cure provided for overage, statutory surcharge fee added without VCC. |  | 1/XX/2018 | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625733 | XXX | XXX |  | 8566082 | 6542 |  | XXX | Purchase | Primary | 1/XX/2017 | FL | $XXX | Loan Review Complete | 10/XX/2018 12:02:39 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Lien Search. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77220) | No cure provided for overage, tax lien search fee added without VCC. |  | 1/XX/2018 | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625733 | XXX | XXX |  | 8566083 | 6542 |  | XXX | Purchase | Primary | 1/XX/2017 | FL | $XXX | Loan Review Complete | 10/XX/2018 12:02:39 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) | No cure provided for overage, transfer tax added without VCC. |  | 1/XX/2018 | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625733 | XXX | XXX |  | 8566108 | 2924 |  | XXX | Purchase | Primary | 1/XX/2017 | FL | $XXX | Loan Review Complete | 10/XX/2018 12:02:39 PM | Loan Package Documentation | Application / Processing | Credit | waived | 12/XX/2018 | 3 | Missing Document: Fraud Report not provided |  | The file did not contain Fraud Reports for the borrowers, unable to confirm whether red flag data was addressed. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625733 | XXX | XXX |  | 8607146 | 3480 |  | XXX | Purchase | Primary | 1/XX/2017 | FL | $XXX | Loan Review Complete | 10/XX/2018 12:02:39 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 3 | Appendix Q Liabilities - Less than 10 Months | Qualified Mortgage (Dodd-Frank 2014): Liabilities lasting less than ten (10) months that have an effect on the consumer's ability to repay have been excluded from DTI calculation. | The Borrower's auto loan with XXX was excluded from the ratios because there are less than 10 months payments left, however, the inclusion of this payment would cause the ratio to increase to 46% which exceeds the maximum allowable of 45% for Community Seconds. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625733 | XXX | XXX |  | 8607147 | 3721 |  | XXX | Purchase | Primary | 1/XX/2017 | FL | $XXX | Loan Review Complete | 10/XX/2018 12:02:39 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/20/2016) | There is no evidence in file as to the date the Borrower received the copy of the appraisal. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625733 | XXX | XXX |  | 8607165 | 23698 |  | XXX | Purchase | Primary | 1/XX/2017 | FL | $XXX | Loan Review Complete | 10/XX/2018 12:02:39 PM | Credit | Credit Documentation | Credit | waived | 12/XX/2018 | 3 | No evidence of fraud report in file | Credit Report: Original // Borrower: XXX | The file did not contain Fraud Reports for the borrowers, unable to confirm whether red flag data was addressed. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625733 | XXX | XXX |  | 8607166 | 23698 |  | XXX | Purchase | Primary | 1/XX/2017 | FL | $XXX | Loan Review Complete | 10/XX/2018 12:02:39 PM | Credit | Credit Documentation | Credit | waived | 12/XX/2018 | 3 | No evidence of fraud report in file | Credit Report: Original // Borrower: XXX | The file did not contain Fraud Reports for the borrowers, unable to confirm whether red flag data was addressed. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625733 | XXX | XXX |  | 8673998 | 5290 |  | XXX | Purchase | Primary | 1/XX/2017 | FL | $XXX | Loan Review Complete | 10/XX/2018 12:02:39 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 12/XX/2018 | 2 | Due Diligence results do not confirm loan defect provided |  | Unable to to confirm defect reason with documents in file - HFA Loan. Additional debt acquired after credit run but before closing; DTI > 45% which makes it ineligible for the bond program. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625734 | XXX | XXX |  | 8699689 | 1205 |  | XXX | Purchase | Primary | 8/XX/2018 | OK | $XXX | Loan Review Complete | 10/XX/2018 12:27:46 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 2 | Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | LO Compensation Disclosure is missing. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625734 | XXX | XXX |  | 8699693 | 22678 |  | XXX | Purchase | Primary | 8/XX/2018 | OK | $XXX | Loan Review Complete | 10/XX/2018 12:27:46 PM | Compliance | State Compliance | Compliance | waived | 12/XX/2018 | 3 | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 6.41860% or Final Disclosure APR of 6.48600% is in excess of allowable threshold of APOR 4.55% + 1.5%, or 6.05000%. Non-Compliant Higher Priced Loan. |  |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625734 | XXX | XXX |  | 8699694 | 20724 |  | XXX | Purchase | Primary | 8/XX/2018 | OK | $XXX | Loan Review Complete | 10/XX/2018 12:27:46 PM | Compliance | State Compliance | Compliance | waived | 12/XX/2018 | 3 | Oklahoma HPML PreDF Ability to Repay Reliable Documentation | Oklahoma Higher-Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. | Borrower provided Award Letters, 1099's and bank statements which support the income and assets used for qualifying, DTI is within state requirements, however, the property does not meet FNMA requirements for Single Wide MFH as it is not in an approved PUD or Condo development. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625734 | XXX | XXX |  | 8699900 | 4826 |  | XXX | Purchase | Primary | 8/XX/2018 | OK | $XXX | Loan Review Complete | 10/XX/2018 12:27:46 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/XX/2018) | The Final CD did not disclose various 0% ($XXX) or 10% ($XXX) tolerance violations which were due to the borrower. |  | 8/XX/2019 | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625734 | XXX | XXX |  | 8699905 | 17649 |  | XXX | Purchase | Primary | 8/XX/2018 | OK | $XXX | Loan Review Complete | 10/XX/2018 12:27:46 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 1 | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/08/XX/2018) | There are not seller paid fees reflected on Borrower's final CD. All seller paid fees are reflected on Seller's CD. |  | 8/XX/2019 | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625734 | XXX | XXX |  | 8699906 | 6543 |  | XXX | Purchase | Primary | 8/XX/2018 | OK | $XXX | Loan Review Complete | 10/XX/2018 12:27:46 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Insufficient or no cure was disclosed to the borrower for under disclosure of fees. |  | 8/XX/2019 | Seller Comment (2018/XX/05): CD, please clarify what fees you're looking at<br>Reviewer Comment (2018/XX/06): Per review scope, Seller paid fees are to be included in TRID testing. Lender provided a tolerance cure of $XXX at closing which is sufficient to cover all of the borrower's actual zero and ten percent tolerance violations. However, the state transfer tax paid by the Seller for $XXX is creating zero and ten percent tolerance violations which the tolerance cure does not cover. Referring to buyer for review and disposition.<br>Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625734 | XXX | XXX |  | 8699907 | 6542 |  | XXX | Purchase | Primary | 8/XX/2018 | OK | $XXX | Loan Review Complete | 10/XX/2018 12:27:46 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Appraisal fee was disclosed on Loan Estimate at $XXX, but increased to $XXX on final Closing Disclosure. However, a credit of $XXX was disclosed as a cure. |  | 8/XX/2019 | Buyer Comment (2018/XX/06): Let us know if you need us to do anything. As the pend reads, there was a lender credit.<br>Reviewer Comment (2018/XX/07): Exception is pending Buyer's response. No response has been received as of yet.<br>Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625734 | XXX | XXX |  | 8699914 | 6542 |  | XXX | Purchase | Primary | 8/XX/2018 | OK | $XXX | Loan Review Complete | 10/XX/2018 12:27:46 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) | Transfer Taxes were disclosed on Loan Estimate at $XXX, but increased to $XXX on final Closing Disclosure with an insufficient cure disclosed. |  | 8/XX/2019 | Seller Comment (2018/XX/05): Transfer taxes actually decreased on the final CD to 66.80<br>Reviewer Comment (2018/XX/06): Per review scope, Seller paid fees are to be included in TRID testing. Lender provided a tolerance cure of $XXX at closing which is sufficient to cover all of the borrower's actual zero and ten percent tolerance violations. However, the state transfer tax paid by the Seller for $XXX is creating zero and ten percent tolerance violations which the tolerance cure does not cover. Referring to buyer for review and disposition.<br>Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625734 | XXX | XXX |  | 8734203 | 6331 |  | XXX | Purchase | Primary | 8/XX/2018 | OK | $XXX | Loan Review Complete | 10/XX/2018 12:27:46 PM | Compliance | Federal Compliance | Compliance | cleared | 11/XX/2018 | 1 | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX is less than amount of binding Lender Credit previously disclosed in the amount of -$XXX. (9300) | A higher Lender Credit was initially disclosed than Lender Credits disclosed on final CD. |  | 8/XX/2019 | Seller Comment (2018/XX/05): COC showing change from conv to FHA is a valid coc for lender credits.<br>Reviewer Comment (2018/XX/06): Condition cleared. |
| 285625734 | XXX | XXX |  | 8759911 | 5289 |  | XXX | Purchase | Primary | 8/XX/2018 | OK | $XXX | Loan Review Complete | 10/XX/2018 12:27:46 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 12/XX/2018 | 2 | Due diligence results confirm loan defect provided |  | Does not meet FNMA. MFH that is in an individual lot. It must be in an approved PUD or Condo neighborhood. |  |  | Buyer Comment (2018/XX/05): Waived<br>Reviewer Comment (2018/XX/06): Buyer has elected to waive this exception. |
| 285625735 | XXX | XXX |  | 9164916 | 5404 |  | XXX | Purchase | Second Home | 6/XX/2018 | FL | $XXX | Loan Review Complete | 11/XX/2018 12:18:48 PM | Income / Employment | Income Documentation | Credit | cleared | 11/XX/2018 | 1 | Income Docs Missing: | Borrower: XXX W-2 (2016) | Income documentation required 2 years W2's - file was missing 2016 W2. |  |  | Seller Comment (2018/XX/21): 2016 & 2017 tax transcripts<br>Reviewer Comment (2018/XX/26): Condition cleared |
| 285625735 | XXX | XXX |  | 9165304 | 5289 |  | XXX | Purchase | Second Home | 6/XX/2018 | FL | $XXX | Loan Review Complete | 11/XX/2018 12:18:48 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 12/XX/2018 | 2 | Due diligence results confirm loan defect provided |  | Undisclosed foreclosure on borrower's credit history. Not able to document extenuating circumstances. |  |  | Buyer Comment (2018/XX/17): Acknowledged<br>Reviewer Comment (2018/XX/18): Buyer accepted the exceptions |
| 285625735 | XXX | XXX |  | 9165665 | 4825 |  | XXX | Purchase | Second Home | 6/XX/2018 | FL | $XXX | Loan Review Complete | 11/XX/2018 12:18:48 PM | Compliance | Federal Compliance | Compliance | waived | 12/XX/2018 | 1 | TRID Final Closing Disclosure Prepaid Interest | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2018 disclosed prepaid interest under Prepaids that does not match calculated figures. (Final/06/XX/2018) | The Closing dated Dated 6/XX/2018 reflects incorrect calculations regarding the Prepaid Interest in Section F. The interest collected is $XXX; however, the correct amount is $XXX85 per day for 14 days (6/18-6/30)=$XXX. ------- Final CD reflects interest from 06/XX/2018 through 06/XX/2018, not 07/XX/2018. Condition remains. |  | 6/XX/2019 | Seller Comment (2018/XX/21): our system is making the daily interest 13 days per attached screenshot. 06/18 to the first of July is 13 days<br>Seller Comment (2018/XX/29): response from our compliance department<br>Reviewer Comment (2018/XX/30): The final CD reflects prepaid daily interest of $XXX85/day. Prepaid interest collected as reflected on the final CD is from 06/XX/2018 through 06/XX/2018 which is 12 days which would equal the correct amount of $XXX. CD does not reflect interest was collected through 07/XX/2018. Condition remains.<br>Buyer Comment (2018/XX/03): Waived<br>Reviewer Comment (2018/XX/03): Buyer waived exception |
| 285625735 | XXX | XXX |  | 9165667 | 4826 |  | XXX | Purchase | Second Home | 6/XX/2018 | FL | $XXX | Loan Review Complete | 11/XX/2018 12:18:48 PM | Compliance | Federal Compliance | Compliance | cleared | 11/XX/2018 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2018) | The Loan Estimate Dated 5/XX/2018 reflects a Lender Credit of $XXX, the next document is the Closing Disclosure dated 6/XX/2018, reflects a lender credit of $XXX. There is no evidence of a Change of Circumstance lowering the Lender credit from $XXX to $XXX |  | 6/XX/2019 | Seller Comment (2018/XX/21): COC provided with CD sent 6/8<br>Reviewer Comment (2018/XX/26): Valid COC received. Condition cleared. |
| 285625735 | XXX | XXX |  | 9165669 | 6331 |  | XXX | Purchase | Second Home | 6/XX/2018 | FL | $XXX | Loan Review Complete | 11/XX/2018 12:18:48 PM | Compliance | Federal Compliance | Compliance | cleared | 11/XX/2018 | 1 | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX is less than amount of binding Lender Credit previously disclosed in the amount of -$XXX. (9300) | The Loan Estimate Dated 5/XX/2018 reflects a Lender Credit of $XXX, the next document is the Closing Disclosure dated 6/XX/2018, reflects a lender credit of $XXX. There is no evidence of a Change of Circumstance lowering the Lender credit from $XXX to $XXX |  | 6/XX/2019 | Seller Comment (2018/XX/21): coc sent with initial CD<br>Reviewer Comment (2018/XX/26): Valid COC received. Condition cleared. |
| 285625736 | XXX | XXX |  | 10250638 | 6572 |  | XXX | Refinance Cash-out - Other | Primary | 8/XX/2017 | TX | $XXX | Loan Review Complete | 1/XX/2019 6:55:15 AM | Compliance | Federal Compliance | Compliance | waived | 1/XX/2019 | 1 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2017) |  |  |  | Buyer Comment (2019/XX/25): Waived<br>Reviewer Comment (2019/XX/28): The buyer has elected to waive this exception. |
| 285625736 | XXX | XXX |  | 10250670 | 4850 |  | XXX | Refinance Cash-out - Other | Primary | 8/XX/2017 | TX | $XXX | Loan Review Complete | 1/XX/2019 6:55:15 AM | Compliance | Federal Compliance | Compliance | waived | 1/XX/2019 | 1 | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/XX/2017) | Final Closing Disclosure provided on 08/XX/2017 did not disclosed an amount by which the Total Closing Costs exceeded the legal limit. |  | 8/XX/2018 | Buyer Comment (2019/XX/25): Waived<br>Reviewer Comment (2019/XX/28): The buyer has elected to waive this exception. |
| 285625736 | XXX | XXX |  | 10250672 | 6331 |  | XXX | Refinance Cash-out - Other | Primary | 8/XX/2017 | TX | $XXX | Loan Review Complete | 1/XX/2019 6:55:15 AM | Compliance | Federal Compliance | Compliance | waived | 1/XX/2019 | 2 | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX is less than amount of binding Lender Credit previously disclosed in the amount of -$XXX. (9300) | Tolerance exceeded for Lender Credits. |  | 8/XX/2018 | Buyer Comment (2019/XX/25): Waived<br>Reviewer Comment (2019/XX/28): The buyer has elected to waive this exception. |
| 285625736 | XXX | XXX |  | 10250673 | 6542 |  | XXX | Refinance Cash-out - Other | Primary | 8/XX/2017 | TX | $XXX | Loan Review Complete | 1/XX/2019 6:55:15 AM | Compliance | Federal Compliance | Compliance | waived | 1/XX/2019 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) | Insufficient or no cure. |  | 8/XX/2018 | Buyer Comment (2019/XX/25): Waived<br>Reviewer Comment (2019/XX/28): The buyer has elected to waive this exception. |
| 285625737 | XXX | XXX |  | 10247471 | 2864 |  | XXX | Purchase | Primary | 2/XX/2018 | MS | $XXX | Loan Review Complete | 1/XX/2019 6:55:15 AM | Insurance | Insurance Documentation | Credit | waived | 1/XX/2019 | 3 | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  | Missing the Mortgage Insurance Certificate. |  |  | Buyer Comment (2019/XX/25): Waived<br>Reviewer Comment (2019/XX/28): The buyer has elected to waive this exception. |
| 285625737 | XXX | XXX |  | 10251091 | 2853 |  | XXX | Purchase | Primary | 2/XX/2018 | MS | $XXX | Loan Review Complete | 1/XX/2019 6:55:15 AM | Loan Package Documentation | Application / Processing | Credit | waived | 1/XX/2019 | 3 | Missing Document: Limited Denials of Participation (LDP) not provided |  | Missing the LDP. |  |  | Buyer Comment (2019/XX/25): Waived<br>Reviewer Comment (2019/XX/28): The buyer has elected to waive this exception. |
| 285625737 | XXX | XXX |  | 10253893 | 22153 |  | XXX | Purchase | Primary | 2/XX/2018 | MS | $XXX | Loan Review Complete | 1/XX/2019 6:55:15 AM | Insurance | Insurance Documentation | Credit | waived | 1/XX/2019 | 3 | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  | Missing the Mortgage Insurance Certificate. |  |  | Buyer Comment (2019/XX/25): Waived<br>Reviewer Comment (2019/XX/28): The buyer has elected to waive this exception. |
| 285625737 | XXX | XXX |  | 10257976 | 22727 |  | XXX | Purchase | Primary | 2/XX/2018 | MS | $XXX | Loan Review Complete | 1/XX/2019 6:55:15 AM | Loan Package Documentation | Government Documentation | Credit | waived | 1/XX/2019 | 3 | FHA - Real Estate Certification is not compliant. | Disclosure: FHA - Real Estate Certification (Government Documents) | Missing real estate broker signature. |  |  | Buyer Comment (2019/XX/25): Waived<br>Reviewer Comment (2019/XX/28): The buyer has elected to waive this exception. |
| 285625738 | XXX | XXX |  | 10255331 | 25030 |  | XXX | Refinance Rate/Term | Primary | 3/XX/2018 | IA | $XXX | Loan Review Complete | 2/XX/2019 9:05:36 AM | Compliance | Federal Compliance | Compliance | waived | 2/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible – please advise which guidelines are applicable |  |  | Buyer Comment (2019/XX/05): Waived<br>Reviewer Comment (2019/XX/06): The buyer has elected to waive this exception. |
| 285625738 | XXX | XXX |  | 10473234 | 5289 |  | XXX | Refinance Rate/Term | Primary | 3/XX/2018 | IA | $XXX | Loan Review Complete | 2/XX/2019 1:42:53 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 2/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Due diligence review confirms that there was a 1x30 late payment for 7/1 to XXX. Unable to confirm that Income used on the AUS was not supported, however, it is noted that the Balance Sheet was blank and Financial Ratios were unable to be calculated. |  |  | Buyer Comment (2019/XX/05): Acknowledged<br>Reviewer Comment (2019/XX/06): Buyer accepted the exceptions |
| 285625739 | XXX | XXX |  | 10260638 | 2840 |  | XXX | Refinance Cash-out - Other | Primary | 11/XX/2017 | OK | $XXX | Loan Review Complete | 2/XX/2019 9:05:36 AM | Loan Package Documentation | Application / Processing | Credit | waived | 2/XX/2019 | 3 | Missing Document: General Services Administration (GSA) not provided |  |  |  |  | Buyer Comment (2019/XX/05): Waived<br>Reviewer Comment (2019/XX/06): The buyer has elected to waive this exception. |
| 285625739 | XXX | XXX |  | 10260644 | 2853 |  | XXX | Refinance Cash-out - Other | Primary | 11/XX/2017 | OK | $XXX | Loan Review Complete | 2/XX/2019 9:05:36 AM | Loan Package Documentation | Application / Processing | Credit | waived | 2/XX/2019 | 3 | Missing Document: Limited Denials of Participation (LDP) not provided |  |  |  |  | Buyer Comment (2019/XX/05): Waived<br>Reviewer Comment (2019/XX/06): The buyer has elected to waive this exception. |
| 285625739 | XXX | XXX |  | 10278099 | 21827 |  | XXX | Refinance Cash-out - Other | Primary | 11/XX/2017 | OK | $XXX | Loan Review Complete | 2/XX/2019 9:05:36 AM | Loan Package Documentation | Government Documentation | Credit | waived | 2/XX/2019 | 3 | VA Loan Disbursement Form 26- 1820 is not compliant. | Disclosure: VA - Loan Disbursement Form 26- 1820 (Government Documents) |  |  |  | Buyer Comment (2019/XX/05): Waived<br>Reviewer Comment (2019/XX/06): The buyer has elected to waive this exception. |
| 285625739 | XXX | XXX |  | 10305398 | 1268 |  | XXX | Refinance Cash-out - Other | Primary | 11/XX/2017 | OK | $XXX | Loan Review Complete | 2/XX/2019 9:05:36 AM | Compliance | Federal Compliance | Compliance | waived | 2/XX/2019 | 2 | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  | Buyer Comment (2019/XX/05): Acknowledged<br>Reviewer Comment (2019/XX/06): The buyer has elected to waive this exception. |
| 285625739 | XXX | XXX |  | 10330881 | 2924 |  | XXX | Refinance Cash-out - Other | Primary | 11/XX/2017 | OK | $XXX | Loan Review Complete | 2/XX/2019 9:05:36 AM | Loan Package Documentation | Application / Processing | Credit | cleared | 4/XX/2019 | 1 | Missing Document: Fraud Report not provided |  |  |  |  | Seller Comment (2019/XX/23): Refer to attached Fraud Report.<br>Reviewer Comment (2019/XX/24): Document provided is illegible. Many areas are blanked out or blacked out. Condition remains.<br>Buyer Comment (2019/XX/24): Nothing is blacked out or redacted.<br>Reviewer Comment (2019/XX/25): Received required documentation. Condition cleared. |
| 285625739 | XXX | XXX |  | 10435311 | 5289 |  | XXX | Refinance Cash-out - Other | Primary | 11/XX/2017 | OK | $XXX | Loan Review Complete | 2/XX/2019 9:05:36 AM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 2/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Due diligence confirms time between first payment of prior and current loan is less than 210 days; |  |  | Buyer Comment (2019/XX/05): Acknowledged<br>Reviewer Comment (2019/XX/06): Buyer accepted the exceptions |
| 285625739 | XXX | XXX |  | 10435346 | 23503 |  | XXX | Refinance Cash-out - Other | Primary | 11/XX/2017 | OK | $XXX | Loan Review Complete | 2/XX/2019 9:05:36 AM | Loan Package Documentation | Government Documentation | Credit | waived | 2/XX/2019 | 3 | Loan Guaranty Certificate is missing. | Disclosure: VA - Loan Guaranty Certificate (Government Documents) | Loan Guaranty Certificate not provided in file, and was not issued as of 1/XX/19 per search in file. |  |  | Buyer Comment (2019/XX/05): Waived<br>Reviewer Comment (2019/XX/06): The buyer has elected to waive this exception. |
| 285625740 | XXX | XXX |  | 10511396 | 5289 |  | XXX | Refinance Rate/Term | Primary | 12/XX/2018 | UT | $XXX | Loan Review Complete | 2/XX/2019 12:34:45 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 2/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed: 2016 tax returns do not match 2016 tax transcripts. There is a mismatch for different income types and total income. Taxable income and tax paid are also a mismatch. |  |  | Buyer Comment (2019/XX/13): Acknowledged<br>Reviewer Comment (2019/XX/13): Buyer accepted the exceptions |
| 285625740 | XXX | XXX |  | 10512196 | 7458 |  | XXX | Refinance Rate/Term | Primary | 12/XX/2018 | UT | $XXX | Loan Review Complete | 2/XX/2019 12:34:45 PM | Compliance | Federal Compliance | Compliance | waived | 2/XX/2019 | 3 | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership) | No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. |  |  | Buyer Comment (2019/XX/13): Waived<br>Reviewer Comment (2019/XX/13): The buyer has elected to waive this exception. |
| 285625740 | XXX | XXX |  | 10512197 | 7458 |  | XXX | Refinance Rate/Term | Primary | 12/XX/2018 | UT | $XXX | Loan Review Complete | 2/XX/2019 12:34:45 PM | Compliance | Federal Compliance | Compliance | waived | 2/XX/2019 | 3 | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership) | No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. |  |  | Buyer Comment (2019/XX/13): Waived<br>Reviewer Comment (2019/XX/13): The buyer has elected to waive this exception. |
| 285625740 | XXX | XXX |  | 10512198 | 7457 |  | XXX | Refinance Rate/Term | Primary | 12/XX/2018 | UT | $XXX | Loan Review Complete | 2/XX/2019 12:34:45 PM | Compliance | Federal Compliance | Compliance | waived | 2/XX/2019 | 3 | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) | No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. |  |  | Buyer Comment (2019/XX/13): Waived<br>Reviewer Comment (2019/XX/13): The buyer has elected to waive this exception. |
| 285625740 | XXX | XXX |  | 10512199 | 19966 |  | XXX | Refinance Rate/Term | Primary | 12/XX/2018 | UT | $XXX | Loan Review Complete | 2/XX/2019 12:34:45 PM | Compliance | Federal Compliance | Compliance | cleared | 2/XX/2019 | 1 | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Initial application date 10/XX/2018. Disclosure provided 11/XX/2018. |  | 12/XX/2019 | Buyer Comment (2019/XX/13): Waived<br>Reviewer Comment (2019/XX/13): Received evidence of Creditors application date. Condition cleared. |
| 285625740 | XXX | XXX |  | 10512204 | 1270 |  | XXX | Refinance Rate/Term | Primary | 12/XX/2018 | UT | $XXX | Loan Review Complete | 2/XX/2019 12:34:45 PM | Compliance | Federal Compliance | Compliance | cleared | 2/XX/2019 | 1 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Initial application date 10/XX/2018. Disclosure provided 11/XX/2018. |  |  | Seller Comment (2019/XX/12): correct initial 1003 dated 10/XX/18<br>Reviewer Comment (2019/XX/13): Received evidence of Creditors application date. Condition cleared. |
| 285625740 | XXX | XXX |  | 10512205 | 19967 |  | XXX | Refinance Rate/Term | Primary | 12/XX/2018 | UT | $XXX | Loan Review Complete | 2/XX/2019 12:34:45 PM | Compliance | Federal Compliance | Compliance | cleared | 2/XX/2019 | 1 | TRID Servicing Disclosure Timing | File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. | Initial application date 10/XX/2018. Disclosure provided 11/XX/2018. |  | 12/XX/2019 | Buyer Comment (2019/XX/13): Waived<br>Reviewer Comment (2019/XX/13): Received evidence of Creditors application date. Condition cleared. |
| 285625740 | XXX | XXX |  | 10512207 | 1331 |  | XXX | Refinance Rate/Term | Primary | 12/XX/2018 | UT | $XXX | Loan Review Complete | 2/XX/2019 12:34:45 PM | Compliance | Federal Compliance | Compliance | cleared | 2/XX/2019 | 1 | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Initial application date 10/XX/2018. Disclosure provided 11/XX/2018. |  |  | Buyer Comment (2019/XX/13): Waived<br>Reviewer Comment (2019/XX/13): Received evidence of Creditors application date. Condition cleared. |
| 285625740 | XXX | XXX |  | 10512208 | 4388 |  | XXX | Refinance Rate/Term | Primary | 12/XX/2018 | UT | $XXX | Loan Review Complete | 2/XX/2019 12:34:45 PM | Compliance | Federal Compliance | Compliance | cured | 2/XX/2019 | 2 | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 12/XX/2018 incorrectly disclosed whether the loan allows for Partial Payments. (Final/12/XX/2018) | Partial Payment Section was not completed on final CD. |  | 12/XX/2019 | Seller Comment (2019/XX/14): Post Consummation CD<br>Reviewer Comment (2019/XX/15): Received PCCD which clears violation, however to cure, a copy of the letter to the borrower explaining the issue is required.<br>Seller Comment (2019/XX/26): email to borrower<br>Reviewer Comment (2019/XX/27): Received corrected PCCD and subsequent email sent to borrower explaining the error. |
| 285625740 | XXX | XXX |  | 10512209 | 3907 |  | XXX | Refinance Rate/Term | Primary | 12/XX/2018 | UT | $XXX | Loan Review Complete | 2/XX/2019 12:34:45 PM | Compliance | Federal Compliance | Compliance | cleared | 2/XX/2019 | 1 | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/11/XX/2018) | Initial application date 10/XX/2018. Disclosure provided 11/XX/2018. |  | 12/XX/2019 | Reviewer Comment (2019/XX/13): Received evidence of Creditors application date. Condition cleared. |
| 285625740 | XXX | XXX |  | 10512210 | 4916 |  | XXX | Refinance Rate/Term | Primary | 12/XX/2018 | UT | $XXX | Loan Review Complete | 2/XX/2019 12:34:45 PM | Compliance | Federal Compliance | Compliance | cleared | 2/XX/2019 | 1 | TRID Service Provider Timing | TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. | Initial application date 10/XX/2018. Disclosure provided 11/XX/2018. |  | 12/XX/2019 | Buyer Comment (2019/XX/13): Waived<br>Reviewer Comment (2019/XX/13): Received evidence of Creditors application date. Condition cleared. |
| 285625740 | XXX | XXX |  | 10512449 | 3867 |  | XXX | Refinance Rate/Term | Primary | 12/XX/2018 | UT | $XXX | Loan Review Complete | 2/XX/2019 12:34:45 PM | Compliance | Federal Compliance | Compliance | waived | 2/XX/2019 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | The subject loan is no longer agency salable, therefore additional income or asset documentation may be required. |  |  | Buyer Comment (2019/XX/13): Waived<br>Reviewer Comment (2019/XX/13): The buyer has elected to waive this exception. |
| 285625740 | XXX | XXX |  | 10512450 | 1257 |  | XXX | Refinance Rate/Term | Primary | 12/XX/2018 | UT | $XXX | Loan Review Complete | 2/XX/2019 12:34:45 PM | Compliance | Federal Compliance | Compliance | waived | 2/XX/2019 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is no longer agency eligible – please advise which guidelines are applicable |  |  | Buyer Comment (2019/XX/13): Waived<br>Reviewer Comment (2019/XX/13): The buyer has elected to waive this exception. |
| 285625740 | XXX | XXX |  | 10512451 | 4276 |  | XXX | Refinance Rate/Term | Primary | 12/XX/2018 | UT | $XXX | Loan Review Complete | 2/XX/2019 12:34:45 PM | Compliance | Federal Compliance | Compliance | cleared | 2/XX/2019 | 1 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/12/XX/2018) | An unsigned CD was provided to the Borrowers on 12/XX/2018. Unable to confirm delivery date. E-Doc log was not provided. |  | 12/XX/2019 | Seller Comment (2019/XX/12): esign acknowledgment<br>Reviewer Comment (2019/XX/13): Received evidence of borrower's receipt. Cleared. |
| 285625740 | XXX | XXX |  | 10578331 | 25030 |  | XXX | Refinance Rate/Term | Primary | 12/XX/2018 | UT | $XXX | Loan Review Complete | 2/XX/2019 12:34:45 PM | Compliance | Federal Compliance | Compliance | waived | 2/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible – please advise which guidelines are applicable |  |  | Buyer Comment (2019/XX/13): Waived<br>Reviewer Comment (2019/XX/13): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 10874222 | 2924 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Loan Package Documentation | Application / Processing | Credit | cleared | 3/XX/2019 | 1 | Missing Document: Fraud Report not provided |  |  |  |  | Seller Comment (2019/XX/11): Fraud<br>Reviewer Comment (2019/XX/12): Received fraud report. Cleared. |
| 285625741 | XXX | XXX |  | 10874885 | 2910 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Loan Package Documentation | Application / Processing | Credit | waived | 3/XX/2019 | 3 | Missing Document: Note - Senior Lien not provided |  | missing 1st Lien note for the 1st $XXX |  |  | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 10874941 | 3826 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Asset | Asset Documentation | Credit | waived | 3/XX/2019 | 3 | Asset Issue: Gift funds are missing evidence of receipt |  | Missing Gift funds transfer of the amount $XXX |  |  | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 10876146 | 6516 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 3/XX/2019 | 3 | AUS/Guideline Findings: All conditions were not met |  | The borrower's Mother was the realtor on sales contract and supplied the gift funds for down payment. Agency guidelines does not allow an interested party to give gift for down payment. This makes this a non-arms length transaction. Without the gift the borrower is short assets. |  |  | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 10876271 | 5322 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 1 | TRID Alternate Table Usage | TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. | The LE and CD's did not consistently utilize the "with seller" and "without seller" formats. |  | 5/XX/2019 | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 10876273 | 5328 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 1 | TRID Final Closing Disclosure Alternate Table With Seller | TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 used an alternate table on a transaction with a seller. (Final/05/XX/2018) | The calculating cash to close section of the CD did not reflect the "with seller" format of the form. |  | 5/XX/2019 | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 10876274 | 25507 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 1,980.00 on Final Closing Disclosure provided on 05/XX/2018 not accurate. (Final/05/XX/2018) |  |  | 5/XX/2019 | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 10876275 | 24188 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 2 | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXX on Final Closing Disclosure provided on 05/XX/2018 not accurate. (Final/05/XX/2018) | Based on the documentation in the loan file, the non-escrowed costs per month are $XXX. Over a 12 month time period this would be $XXX and CD is showing $XXX |  | 5/XX/2019 | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 10876444 | 4673 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 2 | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/714797) | The payment stream includes an escrow amount of $XXX per month. |  | 5/XX/2019 | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 10876445 | 4612 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/714797) | The payment stream includes an escrow amount of $XXX per month. |  | 5/XX/2019 | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 10876446 | 18719 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 1 | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence Subordinate Lien | TRID Final Closing Disclosure 05/XX/2018 on a simultaneous subordinate lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/05/XX/2018) | missing Seller CD |  | 5/XX/2019 | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 10876603 | 4401 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 1 | TRID Final Closing Disclosure Summaries Of Transactions - Sales Price | TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 05/XX/2018 did not disclose the Sales Price of Property. (Final/05/XX/2018) | Per final CD this is a Heloc and the atlernate table was used is the reason for the purchase price not being disclosed |  | 5/XX/2019 | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 10876605 | 4566 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 2 | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 05/XX/2018 incorrectly disclosed whether the loan will have an escrow account. (Final/05/XX/2018) | No escrows this is a Heloc 2nd |  | 5/XX/2019 | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 10876606 | 6543 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | cleared | 3/XX/2019 | 1 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance exceeded No valid COC provided, nor evidence of cure in file. |  | 5/XX/2019 | Buyer Comment (2019/XX/14): The credit is showing in section J of the executed final CD.<br>Reviewer Comment (2019/XX/14): Upon further review, the tolerance violation cure was provided at closing. |
| 285625741 | XXX | XXX |  | 10876666 | 4407 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 2 | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 05/XX/2018 incorrectly disclosed whether the loan will have an escrow account. (Final/05/XX/2018) | This is a Heloc 2nd - no escrows |  | 5/XX/2019 | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 10876668 | 4850 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | cleared | 3/XX/2019 | 1 | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2018) | Cure for 0% and/or 10% tolerance violations was not sufficient. Provide a post-close CD disclosing the tolerance cure, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | 5/XX/2019 | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception.<br>Reviewer Comment (2019/XX/14): Upon further review, the tolerance violation was provided on the final CD |
| 285625741 | XXX | XXX |  | 10927885 | 5289 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 3/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed as the borrower's mother was the realtor on the sales contract and supplied the gift funds for down payment. Agency guidelines do not allow an interested party to give a gift for down payment. this makes this a non-arms length transaction. |  |  | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 10928038 | 3831 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Credit | Miscellaneous | Credit | waived | 3/XX/2019 | 3 | Credit Exception: |  | The file did not contain a copy of the lender's guidelines for subordinate liens; unable to determine if the loan was qualified in adherence with the guidelines. |  |  | Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/08): The buyer has elected to waive this exception. |
| 285625741 | XXX | XXX |  | 11068846 | 6582 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 3/XX/2019 2:02:17 PM | Compliance | Federal Compliance | Compliance | cured | 3/XX/2019 | 1 | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  | 5/XX/2019 |  |
| 285625742 | XXX | XXX |  | 10845100 | 2924 |  | XXX | Purchase | Primary | 6/XX/2018 | NC | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Loan Package Documentation | Application / Processing | Credit | cleared | 3/XX/2019 | 1 | Missing Document: Fraud Report not provided |  | Fraud Report is required for this file and there is not one located in the file. |  |  | Seller Comment (2019/XX/07): Fraud Report<br>Reviewer Comment (2019/XX/08): Received Fraud report.Cleared. |
| 285625742 | XXX | XXX |  | 10856290 | 5289 |  | XXX | Purchase | Primary | 6/XX/2018 | NC | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 3/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed from the credit report to show that the XXX #XXX was a charge off in the past 60 months. It was charged off in March of 2015. |  |  | Buyer Comment (2019/XX/06): Waived<br>Reviewer Comment (2019/XX/07): Buyer elects to waive exception. |
| 285625742 | XXX | XXX |  | 10857451 | 5322 |  | XXX | Purchase | Primary | 6/XX/2018 | NC | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 1 | TRID Alternate Table Usage | TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. | The Loan Estimate does not match the Closing Disclosure when it comes to the Funds to close. The Closing Disclosure has the designation listed but the Loan Estimate does not. |  | 6/XX/2019 | Buyer Comment (2019/XX/06): Waived<br>Reviewer Comment (2019/XX/07): Buyer elects to waive exception. |
| 285625742 | XXX | XXX |  | 10857454 | 5328 |  | XXX | Purchase | Primary | 6/XX/2018 | NC | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 1 | TRID Final Closing Disclosure Alternate Table With Seller | TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 used an alternate table on a transaction with a seller. (Final/06/XX/2018) | The Loan Estimate does not match the Closing Disclosure when it comes to the Funds to close. The Closing Disclosure has the designation listed but the Loan Estimate does not. |  | 6/XX/2019 | Buyer Comment (2019/XX/06): Waived<br>Reviewer Comment (2019/XX/07): Buyer elects to waive exception. |
| 285625742 | XXX | XXX |  | 10857456 | 18719 |  | XXX | Purchase | Primary | 6/XX/2018 | NC | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 1 | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence Subordinate Lien | TRID Final Closing Disclosure 06/XX/2018 on a simultaneous subordinate lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/06/XX/2018) | There are no seller fees and there is not a seller CD located in the file. |  | 6/XX/2019 | Buyer Comment (2019/XX/06): Waived<br>Reviewer Comment (2019/XX/07): Buyer elects to waive exception. |
| 285625742 | XXX | XXX |  | 10857457 | 4824 |  | XXX | Purchase | Primary | 6/XX/2018 | NC | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 1 | TRID Invalid Section B Combinations | TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 06/XX/2018 reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. (Final/06/XX/2018) | This is in the wrong section of the CD - this should have been put under section A if it was paid to the lender. |  | 6/XX/2019 | Buyer Comment (2019/XX/06): Waived<br>Reviewer Comment (2019/XX/07): Buyer elects to waive exception. |
| 285625742 | XXX | XXX |  | 10857458 | 6583 |  | XXX | Purchase | Primary | 6/XX/2018 | NC | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | cured | 2/XX/2019 | 1 | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Copy Or Fax Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (77172) | This fee was increased with no change in circumstance and is outside of tolerance. |  | 6/XX/2019 |  |
| 285625742 | XXX | XXX |  | 10857459 | 6583 |  | XXX | Purchase | Primary | 6/XX/2018 | NC | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | cured | 2/XX/2019 | 1 | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7729) | This fee was increased with no change in circumstance and is outside of tolerance. |  | 6/XX/2019 |  |
| 285625742 | XXX | XXX |  | 10857689 | 4401 |  | XXX | Purchase | Primary | 6/XX/2018 | NC | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 1 | TRID Final Closing Disclosure Summaries Of Transactions - Sales Price | TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 06/XX/2018 did not disclose the Sales Price of Property. (Final/06/XX/2018) | The wrong method of calculating cash to close was used on the Closing Disclosure - they are using a refinance method when the transaction is a purchase. |  | 6/XX/2019 | Buyer Comment (2019/XX/06): Waived<br>Reviewer Comment (2019/XX/07): Buyer elects to waive exception. |
| 285625742 | XXX | XXX |  | 10857690 | 25503 |  | XXX | Purchase | Primary | 6/XX/2018 | NC | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 2 | TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 6,804.27 on Final Closing Disclosure provided on 06/XX/2018 not accurate. (Final/06/XX/2018) | The amount of $XXX that is on the CD for Estimated property costs over year 1 does not match the property costs throughout the file but this is what is on the final CD. |  | 6/XX/2019 | Buyer Comment (2019/XX/06): Waived<br>Reviewer Comment (2019/XX/07): Buyer elects to waive exception. |
| 285625742 | XXX | XXX |  | 10862623 | 6582 |  | XXX | Purchase | Primary | 6/XX/2018 | NC | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | cured | 2/XX/2019 | 1 | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Cure for $XXX was not provided. |  | 6/XX/2019 |  |
| 285625742 | XXX | XXX |  | 10873019 | 3680 |  | XXX | Purchase | Primary | 6/XX/2018 | NC | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 3 | Unknown Loan Designation | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. | The designation determined by the review was safe harbor QM. |  |  | Buyer Comment (2019/XX/06): Waived<br>Reviewer Comment (2019/XX/07): Buyer elects to waive exception. |
| 285625742 | XXX | XXX |  | 10939971 | 3831 |  | XXX | Purchase | Primary | 6/XX/2018 | NC | $XXX | Loan Review Complete | 3/XX/2019 10:31:54 PM | Credit | Miscellaneous | Credit | waived | 3/XX/2019 | 3 | Credit Exception: |  | The file did not contain a copy of the lender's guidelines for subordinate liens; unable to determine if the loan was qualified in adherence with the guidelines. |  |  | Buyer Comment (2019/XX/06): Waived<br>Reviewer Comment (2019/XX/07): Buyer elects to waive exception. |
| 285625743 | XXX | XXX |  | 10981552 | 4276 |  | XXX | Purchase | Primary | 11/XX/2015 | AZ | $XXX | Loan Review Complete | 3/XX/2019 8:30:59 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/11/XX/2015) | Evidence of earlier borrower receipt was not found in file. |  | 11/XX/2016 | Buyer Comment (2019/XX/12): Waived<br>Reviewer Comment (2019/XX/19): The buyer has elected to waive this exception. |
| 285625743 | XXX | XXX |  | 10981553 | 6411 |  | XXX | Purchase | Primary | 11/XX/2015 | AZ | $XXX | Loan Review Complete | 3/XX/2019 8:30:59 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 1 | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/11/XX/2015) | The file was missing a copy of the seller's CD |  | 11/XX/2016 | Buyer Comment (2019/XX/12): Waived<br>Reviewer Comment (2019/XX/19): The buyer has elected to waive this exception. |
| 285625743 | XXX | XXX |  | 10991669 | 5289 |  | XXX | Purchase | Primary | 11/XX/2015 | AZ | $XXX | Loan Review Complete | 3/XX/2019 8:30:59 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 3/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed. EPD back in October 2016. It has been held for seasoning to pool to the GSEs. Unfortunately, the borrower went down 30 a couple months ago. However, the loan is paid current now.<br> The loan went delinquent while waiting on Seasoning to transfer to GSE, Per FNMA Selling Guides the borrower must not have had any 30-day<br> delinquencies since the loan was originated within 12 or fewer months old at the time of delivery. Loan is no longer eligible for transfer. |  |  | Buyer Comment (2019/XX/12): Waived<br>Reviewer Comment (2019/XX/19): The buyer has elected to waive this exception. |
| 285625744 | XXX | XXX |  | 11252994 | 5290 |  | XXX | Purchase | Primary | 2/XX/2017 | WA | $XXX | Loan Review Complete | 3/XX/2019 1:09:07 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 3/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Defect reason provided on tape has not been confirmed. XXX rescission DU refer w/caution for borrower. Short on verified assets.<br> Gift letters in file with documentation where funds came from and copies of checks. |  |  | Buyer Comment (2019/XX/26): Acknowledged<br>Reviewer Comment (2019/XX/27): Buyer accepted the exceptions |
| 285625744 | XXX | XXX |  | 11253856 | 25319 |  | XXX | Purchase | Primary | 2/XX/2017 | WA | $XXX | Loan Review Complete | 3/XX/2019 1:09:07 PM | Compliance | Federal Compliance | Compliance | waived | 3/XX/2019 | 1 | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted. |  |  |  | Buyer Comment (2019/XX/26): Waived<br>Reviewer Comment (2019/XX/26): Client elected to waive the condition |
| 285625745 | XXX | XXX |  | 11266207 | 6415 |  | XXX | Refinance Cash-out - Other | Primary | 7/XX/2018 | AL | $XXX | Loan Review Complete | 3/XX/2019 10:43:10 AM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 07/XX/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/07/XX/2018) | Lender Contact NMLS ID not on CD. |  | 7/XX/2019 | Seller Comment (2019/XX/01): CD NMLS<br>Reviewer Comment (2019/XX/01): Final CD dated 7/XX/18 does not disclose the Contact NMLS ID for XXX, however, a phone number and an email address is provided. Exception is acceptable as it provides for alternate disclosure information. |
| 285625745 | XXX | XXX |  | 11266210 | 1198 |  | XXX | Refinance Cash-out - Other | Primary | 7/XX/2018 | AL | $XXX | Loan Review Complete | 3/XX/2019 10:43:10 AM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | Mortgage history reflects last 30 day late payment was 8/2017 which is within 12 months of loan and therefore ineligible for FHA insurance. |  |  | Buyer Comment (2019/XX/29): Waived<br>Reviewer Comment (2019/XX/01): The buyer has elected to waive this exception. |
| 285625745 | XXX | XXX |  | 11266241 | 22153 |  | XXX | Refinance Cash-out - Other | Primary | 7/XX/2018 | AL | $XXX | Loan Review Complete | 3/XX/2019 10:43:10 AM | Insurance | Insurance Documentation | Credit | waived | 4/XX/2019 | 3 | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  |  | Buyer Comment (2019/XX/29): Waived<br>Reviewer Comment (2019/XX/01): The buyer has elected to waive this exception. |
| 285625745 | XXX | XXX |  | 11266242 | 3680 |  | XXX | Refinance Cash-out - Other | Primary | 7/XX/2018 | AL | $XXX | Loan Review Complete | 3/XX/2019 10:43:10 AM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | Unknown Loan Designation | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. | A QM High Cost Analysis or compliance document was not provided to reflect what the Lender Loan Designation is. |  |  | Buyer Comment (2019/XX/29): Waived<br>Reviewer Comment (2019/XX/01): The buyer has elected to waive this exception. |
| 285625745 | XXX | XXX |  | 11275621 | 23912 |  | XXX | Refinance Cash-out - Other | Primary | 7/XX/2018 | AL | $XXX | Loan Review Complete | 3/XX/2019 10:43:10 AM | Guideline | Guideline Issue | Credit | waived | 4/XX/2019 | 3 | Aged document: Primary Valuation is older than guidelines permit | Valuation Type: Appraisal / Valuation Report Date: 02/XX/2018 Appraisal | Appraisal provided is dated 2/XX/2018 which is older than 120 days prior to Note date. A 442 Completion Report or other update of value was not provided. |  |  | Buyer Comment (2019/XX/29): Waived<br>Reviewer Comment (2019/XX/01): The buyer has elected to waive this exception. |
| 285625745 | XXX | XXX |  | 11307722 | 5289 |  | XXX | Refinance Cash-out - Other | Primary | 7/XX/2018 | AL | $XXX | Loan Review Complete | 3/XX/2019 10:43:10 AM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 4/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed: Uninsurable due to MCR (Mortgage Credit Reject) not being overcome.<br> \*Previous Mortgage Credit Reject 2/2018 due to borrower 3x30 on installment and mortgage after bankruptcy discharge date 7/2014. |  |  | Buyer Comment (2019/XX/29): Acknowledged<br>Reviewer Comment (2019/XX/01): Buyer accepted the exceptions |
| 285625745 | XXX | XXX |  | 11308619 | 6243 |  | XXX | Refinance Cash-out - Other | Primary | 7/XX/2018 | AL | $XXX | Loan Review Complete | 3/XX/2019 10:43:10 AM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 4/XX/2019 | 3 | AUS Refer or Ineligible findings; issues not resolved. |  | Unable to determine what guides were used for the review. |  |  | Buyer Comment (2019/XX/29): Waived<br>Reviewer Comment (2019/XX/01): The buyer has elected to waive this exception. |
| 285625746 | XXX | XXX |  | 11278326 | 23944 |  | XXX | Refinance Cash-out - Other | Investment | 12/XX/2018 | GA | $XXX | Loan Review Complete | 4/XX/2019 10:40:47 PM | Income / Employment | Income Documentation | Credit | waived | 4/XX/2019 | 3 | Income documentation requirements not met according to the AUS in file. | Decision System: DU | Work Number VOE was pulled post closing on 01/XX/2019 and showed borrower has left his job at current employment prior to closing on 12/XX/2018. Loan closed on 12/XX/2018. |  |  | Buyer Comment (2019/XX/03): Waived<br>Reviewer Comment (2019/XX/04): The buyer has elected to waive this exception. |
| 285625746 | XXX | XXX |  | 11314611 | 5289 |  | XXX | Refinance Cash-out - Other | Investment | 12/XX/2018 | GA | $XXX | Loan Review Complete | 4/XX/2019 10:40:47 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 4/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Work Number VOE was pulled post closing on 01/XX/2019 and showed borrower has left his job at current employment prior to closing on 12/XX/2018. Loan closed on 12/XX/2018. |  |  | Buyer Comment (2019/XX/03): Waived<br>Reviewer Comment (2019/XX/04): The buyer has elected to waive this exception. |
| 285625747 | XXX | XXX |  | 11354782 | 5289 |  | XXX | Purchase | Primary | 1/XX/2018 | CO | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 4/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed. - repurchase undisclosed employed by family member / spouse - income was not properly presented credit score dropped from 706 to 530 due to late pays -- mortgage is current and paid as agreed |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625747 | XXX | XXX |  | 11354790 | 6516 |  | XXX | Purchase | Primary | 1/XX/2018 | CO | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 4/XX/2019 | 3 | AUS/Guideline Findings: All conditions were not met |  | Employment was not verified with third party. The VVOE in file reflects employment was verified with spouse. |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625747 | XXX | XXX |  | 11354807 | 23944 |  | XXX | Purchase | Primary | 1/XX/2018 | CO | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Income / Employment | Income Documentation | Credit | waived | 4/XX/2019 | 3 | Income documentation requirements not met according to the AUS in file. | Decision System: LP / LPA | Employment was not verified by third party. VVOE in file shows employment was verified by spouse. |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625747 | XXX | XXX |  | 11354883 | 7457 |  | XXX | Purchase | Primary | 1/XX/2018 | CO | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) | No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625747 | XXX | XXX |  | 11354884 | 3721 |  | XXX | Purchase | Primary | 1/XX/2018 | CO | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/12/XX/2017) |  |  |  | Seller Comment (2019/XX/08): Evidence of appraisal delivery<br>Reviewer Comment (2019/XX/09): Received evidence of borrower's receipt. Cleared. |
| 285625747 | XXX | XXX |  | 11354887 | 1257 |  | XXX | Purchase | Primary | 1/XX/2018 | CO | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is no longer agency eligible - loan approved with DTI above 43%. |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625747 | XXX | XXX |  | 11355016 | 3867 |  | XXX | Purchase | Primary | 1/XX/2018 | CO | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | The loan designation determined via the review of NonQM is not the same as the designation provided. |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625747 | XXX | XXX |  | 11407428 | 25030 |  | XXX | Purchase | Primary | 1/XX/2018 | CO | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is not agency salable and the no investor guidelines were provided. |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625748 | XXX | XXX |  | 11350447 | 22153 |  | XXX | Purchase | Primary | 3/XX/2018 | CO | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Insurance | Insurance Documentation | Credit | waived | 4/XX/2019 | 3 | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625748 | XXX | XXX |  | 11350461 | 21808 |  | XXX | Purchase | Primary | 3/XX/2018 | CO | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Loan Package Documentation | Government Documentation | Credit | open |  | 3 | FHA - Initial HUD Addendum to the Loan Application 92900-A is not compliant. | Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents) | FHA - Initial HUD Addendum to the Loan Application 92900-A not signed. |  |  |  |
| 285625748 | XXX | XXX |  | 11350538 | 1024 |  | XXX | Purchase | Primary | 3/XX/2018 | CO | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/2575107) | Unable to determine loan designation. |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625748 | XXX | XXX |  | 11350543 | 1198 |  | XXX | Purchase | Primary | 3/XX/2018 | CO | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | Loan is no longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625748 | XXX | XXX |  | 11369817 | 5289 |  | XXX | Purchase | Primary | 3/XX/2018 | CO | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 4/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed - Unable to insure loan, FHA Total Scorecard LP findings came back with a refer findings at time of endorsement and unable to meet manual underwriting guidelines |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625748 | XXX | XXX |  | 11392676 | 25030 |  | XXX | Purchase | Primary | 3/XX/2018 | CO | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible – please advise which guidelines are applicable |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625748 | XXX | XXX |  | 11398041 | 3680 |  | XXX | Purchase | Primary | 3/XX/2018 | CO | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | Unknown Loan Designation | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. | Loan is no longer agency eligible – please advise which guidelines are applicable |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625749 | XXX | XXX |  | 11354206 | 6582 |  | XXX | Refinance Rate/Term | Primary | 8/XX/2018 | WA | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Compliance | Federal Compliance | Compliance | cured | 4/XX/2019 | 1 | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  | 8/XX/2019 |  |
| 285625749 | XXX | XXX |  | 11354207 | 6583 |  | XXX | Refinance Rate/Term | Primary | 8/XX/2018 | WA | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Compliance | Federal Compliance | Compliance | cured | 4/XX/2019 | 1 | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  | 8/XX/2019 |  |
| 285625749 | XXX | XXX |  | 11354208 | 4371 |  | XXX | Refinance Rate/Term | Primary | 8/XX/2018 | WA | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 1 | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 08/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/08/XX/2018) | Consummation date of 08/XX/2018: Final CD closing date shown as 08/XX/2018. |  | 8/XX/2019 | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625749 | XXX | XXX |  | 11354230 | 25527 |  | XXX | Refinance Rate/Term | Primary | 8/XX/2018 | WA | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Valuation | General | Credit | waived | 4/XX/2019 | 2 | Last Sale Date is less than 180 days ago and value increased by more than 20%. Potential flip transaction, 2nd valuation may be required. |  | Loan is no able to be sold FHA because the appraisal value was used on a refinance owned less than 12 months. |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625749 | XXX | XXX |  | 11368466 | 5289 |  | XXX | Refinance Rate/Term | Primary | 8/XX/2018 | WA | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 4/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed: repurchased - non insurable due to use of full appraised value rather than purchase / acquisition price for refinance within 12 months -- there was a significant increase in value without substantial investment from borrower - purchase 8/XX/17 $XXX case number 7/XX/18 with appraised value $XXX. |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625749 | XXX | XXX |  | 11391320 | 25030 |  | XXX | Refinance Rate/Term | Primary | 8/XX/2018 | WA | $XXX | Loan Review Complete | 4/XX/2019 4:52:04 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible – please advise which guidelines are applicable |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625750 | XXX | XXX |  | 11379777 | 2924 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 2:18:11 PM | Loan Package Documentation | Application / Processing | Credit | cleared | 4/XX/2019 | 1 | Missing Document: Fraud Report not provided |  | Missing Fraud Report. |  |  | Seller Comment (2019/XX/11): Fraud Report<br>Reviewer Comment (2019/XX/11): Fraud report provided. |
| 285625750 | XXX | XXX |  | 11380283 | 20780 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 2:18:11 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 1 | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2018 used as disbursement date for compliance testing. | Closing Disclosure is missing. |  |  | Buyer Comment (2019/XX/10): Waived<br>Reviewer Comment (2019/XX/11): The buyer has elected to waive this exception. |
| 285625750 | XXX | XXX |  | 11380284 | 1205 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 2:18:11 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Evidence of how LO was compensated is missing. |  |  | Buyer Comment (2019/XX/10): Waived<br>Reviewer Comment (2019/XX/11): The buyer has elected to waive this exception. |
| 285625750 | XXX | XXX |  | 11380285 | 25030 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 2:18:11 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible – please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/10): Waived<br>Reviewer Comment (2019/XX/11): The buyer has elected to waive this exception. |
| 285625750 | XXX | XXX |  | 11380287 | 3867 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 2:18:11 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Loan designation Temporary HPQM (GSE/Agency Eligible) per Mavent. |  |  | Buyer Comment (2019/XX/10): Waived<br>Reviewer Comment (2019/XX/11): The buyer has elected to waive this exception. |
| 285625750 | XXX | XXX |  | 11380288 | 1257 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 2:18:11 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is no longer agency eligible- Please advise which guidelines are applicable |  |  | Buyer Comment (2019/XX/10): Waived<br>Reviewer Comment (2019/XX/11): The buyer has elected to waive this exception. |
| 285625750 | XXX | XXX |  | 11380289 | 4809 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 2:18:11 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Closing Disclosures in the Loan File | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. | Initial and Final Closing Disclosures are missing. |  | 9/XX/2019 | Seller Comment (2019/XX/11): initial and final CD<br>Reviewer Comment (2019/XX/11): Missing : Initial and Final Closing Disclosures provided. |
| 285625750 | XXX | XXX |  | 11380291 | 6297 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 2:18:11 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 1 | TRID Esign Consent Agreement Status | ESIGN Act – Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $XXX and disclosure timing violations. | E-consent Disclosure is missing in file. |  | 9/XX/2019 | Buyer Comment (2019/XX/10): Waived<br>Reviewer Comment (2019/XX/11): The buyer has elected to waive this exception. |
| 285625750 | XXX | XXX |  | 11391892 | 4232 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 2:18:11 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 4/XX/2019 | 3 | AUS Findings: Property type discrepancy. | Appraisal property type of Manufactured Housing does not match AUS property type of Single Family Detached. | Property is a Manufactured Home, but was submitted through the AUS as a Single Family Detached. |  |  | Buyer Comment (2019/XX/10): Waived<br>Reviewer Comment (2019/XX/11): The buyer has elected to waive this exception. |
| 285625750 | XXX | XXX |  | 11392147 | 6641 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 2:18:11 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | QM Employment History - Current Job after Gap | Qualified Mortgage (Dodd-Frank 2014): Current Job History post-Gap with LOE, lacking 6 months on current job. (XXX/2583255) | Borrower has less than 6 months on current job. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. |  |  | Buyer Comment (2019/XX/10): Waived<br>Reviewer Comment (2019/XX/11): The buyer has elected to waive this exception. |
| 285625750 | XXX | XXX |  | 11393771 | 5289 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 2:18:11 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 4/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | 1. Defect reason provided on tape has been confirmed : Loan was rejected for sale by XXX via XXX. Eligibility: Borrower's 714 score did not meet the minimum 720 score needed for a Home Possible LPA risk class of Caution. <br> 2. Defect reason provided on tape has not been confirmed : Rental income of $XXX was used to qualify the borrower but no supporting documentation was provided to support this. A lease agreement was provided to support rental income as submitted. <br> 3. Defect reason provided on tape has not been confirmed : The HUD Data Plate or substitute performance verification cert from the IBTS. Engineer's report regarding all mods, covered screen porch, desk and rear covered porch. There is a picture of the HUD Data Plate included in the Appraisal, but not an Engineers report. |  |  | Buyer Comment (2019/XX/10): Waived<br>Reviewer Comment (2019/XX/11): The buyer has elected to waive this exception. |
| 285625750 | XXX | XXX |  | 11469704 | 25507 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 3,236.97 on Final Closing Disclosure provided on 09/XX/2018 not accurate. (Final/09/XX/2018) | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Per compliance: Effective for loan applications taken on or after October 1, 2018, (TRID 2.0), MI is included in the definition of 'property costs' for purposes of the escrow table. While this update had a mandatory effective 10/XX/18, there was also an optional compliance effective 10/XX/17. For apps taken on or after 10/XX/17 and prior to 10/XX/18 (i.e., the optional compliance period), while it wasn't; required, if the lender included MI in the calculation of Escrowed Property Costs Year 1, this would not be considered a violation. <br>Amount Disclosed on CD in Escrow Table on page 4 = $XXX<br> $XXX (Escrow Amt) \* 11 = $XXX<br> $XXX (MI) \* 11 = $XXX<br> Total = $XXX<br> With tolerance of $XXX\*11 or $XXX, the amount disclosed is within tolerance so the exception can be cleared.<br> Condition cleared. |
| 285625750 | XXX | XXX |  | 11469705 | 4396 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Final Closing Disclosure Security Interest | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 09/XX/2018 did not disclose the address for which the consumer is granting a security interest. (Final/09/XX/2018) | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Econsent received. Condition cleared. |
| 285625750 | XXX | XXX |  | 11469706 | 4406 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Final Closing Disclosure Value Identifier | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 09/XX/2018 did not contain the appropriate label for Sale Price or Appraised Property Value. (Final/09/XX/2018) | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Econsent received. Condition cleared. |
| 285625750 | XXX | XXX |  | 11469707 | 4822 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 09/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/09/XX/2018) | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Per compliance: Effective for loan applications taken on or after October 1, 2018, (TRID 2.0), MI is included in the definition of 'property costs' for purposes of the escrow table. While this update had a mandatory effective 10/XX/18, there was also an optional compliance effective 10/XX/17. For apps taken on or after 10/XX/17 and prior to 10/XX/18 (i.e., the optional compliance period), while it wasn't; required, if the lender included MI in the calculation of Escrowed Property Costs Year 1, this would not be considered a violation. <br>Amount Disclosed on CD in Escrow Table on page 4 = $XXX<br> $XXX (Escrow Amt) \* 11 = $XXX<br> $XXX (MI) \* 11 = $XXX<br> Total = $XXX<br> With tolerance of $XXX\*11 or $XXX, the amount disclosed is within tolerance so the exception can be cleared.<br> Condition cleared. |
| 285625750 | XXX | XXX |  | 11469708 | 4826 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2018) | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Econsent received. Condition cleared. |
| 285625750 | XXX | XXX |  | 11469709 | 4829 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Interim Closing Disclosure Timing | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on 09/XX/2018 contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Per compliance: The initial CD was issued on 9/XX/18 and signed same day reflecting an APR of 5.91%. The final CD was issued on 9/XX/18, same day as closing, with an APR of 6.068%. Given the APR increased by 0.158% without providing a new three-day waiting period before closing, the exception fired. Under 1026.19(f)(2)(ii), the three-business-day waiting period requirement applies to a corrected Closing Disclosure that is provided when:<br> • The loan's disclosed APR becomes inaccurate; <br> • There are changes to the loan product; or <br> • A prepayment penalty is added to the loan. Therefore, the APR timing exception is accurate and should remain.<br>Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625750 | XXX | XXX |  | 11469710 | 6543 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Econsent received. Condition cleared. |
| 285625750 | XXX | XXX |  | 11469711 | 6542 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7319) | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Econsent received. Condition cleared. |
| 285625750 | XXX | XXX |  | 11469712 | 6542 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (73196) | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Econsent received. Condition cleared. |
| 285625750 | XXX | XXX |  | 11469713 | 6542 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7334) | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Econsent received. Condition cleared. |
| 285625750 | XXX | XXX |  | 11469714 | 6542 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Econsent received. Condition cleared. |
| 285625750 | XXX | XXX |  | 11469715 | 6542 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certification Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75175) | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Econsent received. Condition cleared. |
| 285625750 | XXX | XXX |  | 11469716 | 6542 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Econsent received. Condition cleared. |
| 285625750 | XXX | XXX |  | 11469717 | 6542 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75208) | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Econsent received. Condition cleared. |
| 285625750 | XXX | XXX |  | 11469719 | 6542 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7579) | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Econsent received. Condition cleared. |
| 285625750 | XXX | XXX |  | 11469720 | 6542 |  | XXX | Purchase | Primary | 9/XX/2018 | FL | $XXX | Loan Review Complete | 4/XX/2019 7:44:06 PM | Compliance | Federal Compliance | Compliance | cleared | 4/XX/2019 | 1 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) | Disclosures were sent electronically, however an eConsent Agreement was not provided acknowledged by the Borrower. Without the eConsent acknowledgement the baseline testing is set to $XXX for all fees and charges. |  | 9/XX/2019 | Seller Comment (2019/XX/16): econsent<br>Reviewer Comment (2019/XX/17): Econsent received. Condition cleared. |
| 285625751 | XXX | XXX |  | 11463582 | 1198 |  | XXX | Purchase | Primary | 1/XX/2018 | MS | $XXX | Loan Review Complete | 4/XX/2019 4:55:14 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | Due to designation as not agency salable, loan does not qualify as a HUD qualified mortgage. |  |  | Buyer Comment (2019/XX/16): Waived<br>Reviewer Comment (2019/XX/17): The buyer has elected to waive this exception. |
| 285625751 | XXX | XXX |  | 11463585 | 1257 |  | XXX | Purchase | Primary | 1/XX/2018 | MS | $XXX | Loan Review Complete | 4/XX/2019 4:55:14 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Investor guidelines not provided - DTI maximum is not known and exceeds QM standard. |  |  | Buyer Comment (2019/XX/16): Waived<br>Reviewer Comment (2019/XX/17): The buyer has elected to waive this exception. |
| 285625751 | XXX | XXX |  | 11465151 | 5290 |  | XXX | Purchase | Primary | 1/XX/2018 | MS | $XXX | Loan Review Complete | 4/XX/2019 4:55:14 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 4/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Defect reason provided on tape has not been confirmed - No Alta 7 Title endorsement. Per the loan file and the Final Title Policy, ALTA Endorsement 7-06 for Manufactured Housing is included. |  |  | Buyer Comment (2019/XX/16): Acknowledged<br>Reviewer Comment (2019/XX/17): Buyer acknowledged the exception |
| 285625751 | XXX | XXX |  | 11465396 | 3867 |  | XXX | Purchase | Primary | 1/XX/2018 | MS | $XXX | Loan Review Complete | 4/XX/2019 4:55:14 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Per deal notes, agency salable should reflect no and DTI exceeds 43%. |  |  | Buyer Comment (2019/XX/16): Waived<br>Reviewer Comment (2019/XX/17): The buyer has elected to waive this exception. |
| 285625751 | XXX | XXX |  | 11482634 | 25030 |  | XXX | Purchase | Primary | 1/XX/2018 | MS | $XXX | Loan Review Complete | 4/XX/2019 4:55:14 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Investor guidelines not provided so DTI maximum unknown. |  |  | Buyer Comment (2019/XX/16): Waived<br>Reviewer Comment (2019/XX/17): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11473458 | 2868 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Loan Package Documentation | Application / Processing | Credit | cleared | 4/XX/2019 | 1 | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  | Seller Comment (2019/XX/23): This was included in the original file upload, but we have provided it again for your convenience.<br>Reviewer Comment (2019/XX/24): Reviewed trailing docs and original file. The fully executed contract was not provided. The document provided indicates the doc is the title companies escrow instructions, not a purchase contract. In addition, the signature page was not included. Condition remains.<br>Buyer Comment (2019/XX/24): This is a "For Sale By Owner" transaction, therefore this is no traditional purchase contract. The title company prepared Escrow Instructions for the sale. There is no other type of purchase contract.<br>Reviewer Comment (2019/XX/25): Received required documentation. Condition cleared. |
| 285625752 | XXX | XXX |  | 11473460 | 2853 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Loan Package Documentation | Application / Processing | Credit | waived | 4/XX/2019 | 3 | Missing Document: Limited Denials of Participation (LDP) not provided |  |  |  |  | Seller Comment (2019/XX/23): This document was included in the original upload, but we have provided it again for your convenience.<br>Reviewer Comment (2019/XX/24): Reviewed trailing docs and original file. A list of the participants to be searched was included in the file, however the actual searches for each individual were not. AMC agrees that there is no requirement to retain the LDP / GSA searches, but without the searches we cannot verify that all searches are performed on the correct parties and that there were no issues. Exception referred to XXX for review and disposition.<br>Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11473470 | 2805 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Credit | Credit Calculation / Analysis | Credit | waived | 4/XX/2019 | 3 | Missing Document: Alternative Credit Documentation not provided |  |  |  |  | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11473475 | 6516 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 4/XX/2019 | 3 | AUS/Guideline Findings: All conditions were not met |  | Defect reason provided on tape has not been confirmed (with defect reason) Defect Diligence Description is that Gift Funds Violation. Documentation from donor says " just pay back when you get your income tax return" therefore funds are not truly a gift and cannot be used. OT calculation was challenged by prior investor. Review has not located the above referenced gift letter that declares gift was to be repaid, in current file documentation. |  |  | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11473527 | 23945 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Asset | Asset Documentation | Credit | waived | 4/XX/2019 | 3 | Asset documentation requirements not met according to Decision System Input. | All documentation requirements for DU were not met. | Defect reason provided on tape has not been confirmed (with defect reason) Defect Diligence Description is that Gift Funds Violation. Documentation from donor says " just pay back when you get your income tax return" therefore funds are not truly a gift and cannot be used. OT calculation was challenged by prior investor. Review has not located the above referenced gift letter that declares gift was to be repaid, in current file documentation. |  |  | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11473673 | 22928 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Loan Package Documentation | Government Documentation | Credit | waived | 4/XX/2019 | 2 | FHA - Lead Based Paint Attachment was provided at or after closing. | Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents) Provided Date: 04/XX/2018; Consummation Date: 04/XX/2018 |  |  |  | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11473677 | 22727 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Loan Package Documentation | Government Documentation | Credit | waived | 4/XX/2019 | 3 | FHA - Real Estate Certification is not compliant. | Disclosure: FHA - Real Estate Certification (Government Documents) |  |  |  | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11473683 | 22926 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Loan Package Documentation | Government Documentation | Credit | waived | 4/XX/2019 | 2 | FHA - Real Estate Certification was provided at or after closing. | Disclosure: FHA - Real Estate Certification (Government Documents) Provided Date: 04/XX/2018; Consummation Date: 04/XX/2018 |  |  |  | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11474132 | 4276 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/04/XX/2018) | Final CD was issued on same date of closing and not providing the required 3 business days for borrower's review. |  | 4/XX/2019 | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11474166 | 6572 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 1 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/02/XX/2018) | No evidence of Borrower's signed receipt for copy of appraisal found in current file documentation. |  |  | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11474183 | 3867 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM. | The designation determined by the review differs from that provided at origination. |  |  | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11474267 | 1198 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | Repurchase is required due to observation that gift fund requirements were violated. |  |  | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11474269 | 4371 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 1 | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/04/XX/2018) | Final CD reflects Closing Date of 04/XX/2019, while identifying consummation date of 04/XX/2019. |  | 4/XX/2019 | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11474435 | 4712 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (Final/04/XX/2018) | Final CD disclosed the Initial Escrow Payment of $XXX, that does not match the Initial escrow payment disclosed on page 2, section G |  | 4/XX/2019 | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11475982 | 4826 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/XX/2018) | Cure for 0% tolerance violation of $XXX was not provided. Provide a post-close CD disclosing the tolerance cure of $XXX a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | 4/XX/2019 | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11475985 | 6542 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77204) | Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. No cure or valid Change of Circumstance was provided to the borrower. |  | 4/XX/2019 | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11475993 | 4236 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Asset | Asset Calculation / Analysis | Credit | waived | 4/XX/2019 | 3 | AUS Findings: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXX is less than AUS Available for Reserves of $XXX. | Missing evidence of borrower's XXX checking account with $XXX. |  |  | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11476011 | 5290 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 4/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Unable to confirm that Gift funds documentation from donor says "just pay back when you get your income tax return" making funds not truly a gift.. |  |  | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11476012 | 21715 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Guideline | Guideline Issue | Credit | cleared | 4/XX/2019 | 1 | Case # Assignment does not indicate "All borrowers passed SSN validation". |  |  |  |  | Seller Comment (2019/XX/23): Case Number Assignment Results<br>Reviewer Comment (2019/XX/24): Received cleared results. Cleared. |
| 285625752 | XXX | XXX |  | 11476015 | 767 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Credit | Credit Eligibility | Credit | waived | 4/XX/2019 | 1 | Public Record Issue: | Credit Report: Original // Public Record Type: Collections / Balance: XXX |  |  |  | Buyer Comment (2019/XX/23): Waived<br>Reviewer Comment (2019/XX/24): The buyer has elected to waive this exception. |
| 285625752 | XXX | XXX |  | 11476026 | 23085 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 10:38:47 AM | Asset | Asset Calculation / Analysis | Credit | cleared | 4/XX/2019 | 1 | AUS Findings: Available for Closing discrepancy. | Documented qualifying Assets of $XXX is less than AUS Available for Closing of $XXX. | Missing evidence of borrower's XXX checking account with $XXX. |  |  | Seller Comment (2019/XX/24): The attached file contains all of the asset related documents that we have available. We are not able to provide any additional asset documentation.<br>Reviewer Comment (2019/XX/25): Additional account provided. Condition cleared. |
| 285625752 | XXX | XXX |  | 11586259 | 4702 |  | XXX | Purchase | Primary | 4/XX/2018 | AZ | $XXX | Loan Review Complete | 4/XX/2019 5:26:01 AM | Asset | Asset Documentation | Credit | waived | 4/XX/2019 | 3 | Guideline Issue: Insufficient asset documentation. | Financial Institution: XXX // Account Type: Checking / Account Number: XXX | Additional account was provided in trailing documents for the primary borrower with XXX account ending #XXX. The consecutive month was not included and/or is missing. |  |  | Buyer Comment (2019/XX/25): Waived<br>Reviewer Comment (2019/XX/26): The buyer has elected to waive this exception. |
| 285625753 | XXX | XXX |  | 11517725 | 2853 |  | XXX | Purchase | Primary | 7/XX/2017 | IL | $XXX | Loan Review Complete | 4/XX/2019 3:10:37 PM | Loan Package Documentation | Application / Processing | Credit | waived | 4/XX/2019 | 3 | Missing Document: Limited Denials of Participation (LDP) not provided |  |  |  |  | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625753 | XXX | XXX |  | 11517726 | 2840 |  | XXX | Purchase | Primary | 7/XX/2017 | IL | $XXX | Loan Review Complete | 4/XX/2019 3:10:37 PM | Loan Package Documentation | Application / Processing | Credit | waived | 4/XX/2019 | 3 | Missing Document: General Services Administration (GSA) not provided |  |  |  |  | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625753 | XXX | XXX |  | 11518915 | 25030 |  | XXX | Purchase | Primary | 7/XX/2017 | IL | $XXX | Loan Review Complete | 4/XX/2019 3:10:37 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible- Please advise which guidelines are applicable |  |  | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625753 | XXX | XXX |  | 11518917 | 25319 |  | XXX | Purchase | Primary | 7/XX/2017 | IL | $XXX | Loan Review Complete | 4/XX/2019 3:10:37 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 1 | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted. | Final CD reflects -$XXX in lender credit and the loan file does not contain an itemization of a breakdown of fees. |  |  | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625753 | XXX | XXX |  | 11518921 | 4826 |  | XXX | Purchase | Primary | 7/XX/2017 | IL | $XXX | Loan Review Complete | 4/XX/2019 3:10:37 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/XX/2017) | Cure of $XXX is insuffiencient for various 0% and/or 10% tolerance violations in the amount of $XXX. Provide a post-close CD disclosing the tolerance cure of $XXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | 7/XX/2018 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625753 | XXX | XXX |  | 11518929 | 6542 |  | XXX | Purchase | Primary | 7/XX/2017 | IL | $XXX | Loan Review Complete | 4/XX/2019 3:10:37 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Appraisal fee disclosed as $XXX on LE's but disclosed as $XXX on Final CD. |  | 7/XX/2018 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625753 | XXX | XXX |  | 11518933 | 6542 |  | XXX | Purchase | Primary | 7/XX/2017 | IL | $XXX | Loan Review Complete | 4/XX/2019 3:10:37 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7713) | Pest Inspection fee not disclosed on LE, but disclosed as $XXX on Final Cd |  | 7/XX/2018 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625753 | XXX | XXX |  | 11518934 | 6542 |  | XXX | Purchase | Primary | 7/XX/2017 | IL | $XXX | Loan Review Complete | 4/XX/2019 3:10:37 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Radon Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7717) | Radon fee disclosed not disclosed on LE, but disclosed as $XXX on Final CD. |  | 7/XX/2018 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625753 | XXX | XXX |  | 11519033 | 6543 |  | XXX | Purchase | Primary | 7/XX/2017 | IL | $XXX | Loan Review Complete | 4/XX/2019 3:10:37 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Cure for 10% tolerance violations in the amount of $XXX was not provided. Provide a post-close CD, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | 7/XX/2018 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625753 | XXX | XXX |  | 11556624 | 6331 |  | XXX | Purchase | Primary | 7/XX/2017 | IL | $XXX | Loan Review Complete | 4/XX/2019 3:10:37 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX is less than amount of binding Lender Credit previously disclosed in the amount of -$XXX. (9300) | Lender credit Fee disclosed as $XXX on LE, but disclosed as $XXX on Final Closing Disclosure. |  | 7/XX/2018 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625753 | XXX | XXX |  | 11557269 | 5289 |  | XXX | Purchase | Primary | 7/XX/2017 | IL | $XXX | Loan Review Complete | 4/XX/2019 3:10:37 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 4/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed - Downpayment source ineligible. Per FHA, gift funds for down payment or funds needed for closing are acceptable if they are from the following: a relative, borrower's employer or labor union, a charitable organization, close friend or government agency that has a program providing home ownership assistance. The gift letter in the loan file is executed by the borrower's spouse yet the source of funds are coming from the husband's employer of XXX, which the check for $XXX is made out from the XXX account. |  |  | Buyer Comment (2019/XX/24): Acknowledged<br>Reviewer Comment (2019/XX/25): Buyer acknowledged the exception |
| 285625753 | XXX | XXX |  | 11562922 | 22166 |  | XXX | Purchase | Primary | 7/XX/2017 | IL | $XXX | Loan Review Complete | 4/XX/2019 3:10:37 PM | Property - Appraisal | Appraisal Data Integrity | Property | waived | 4/XX/2019 | 3 | Appraiser's license or certification was not active at the time of the appraisal. | Valuation Type: Appraisal / Valuation Report Date: 07/XX/2017 | Appraisers license effective date is 9/XX/17 which is after the report date of 7/XX/17. |  |  | Buyer Comment (2019/XX/24): Acknowledged<br>Reviewer Comment (2019/XX/25): Buyer acknowledged the exception |
| 285625753 | XXX | XXX |  | 11565935 | 4236 |  | XXX | Purchase | Primary | 7/XX/2017 | IL | $XXX | Loan Review Complete | 4/XX/2019 3:10:37 PM | Asset | Asset Calculation / Analysis | Credit | waived | 4/XX/2019 | 3 | AUS Findings: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXX is less than AUS Available for Reserves of $XXX. | Short reserves. Gift funds source ineligible. Downpayment source ineligible. Per FHA, gift funds for down payment or funds needed for closing are acceptable if they are from the following: a relative, borrower's employer or labor union, a charitable organization, close friend or government agency that has a program providing home ownership assistance. The gift letter in the loan file is executed by the borrower's spouse yet the source of funds are coming from the husband's employer of XXX, which the check for $XXX is made out from the XXX account. |  |  | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11506989 | 2798 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Loan Package Documentation | Application / Processing | Credit | waived | 4/XX/2019 | 3 | Missing Document: Missing Final 1003 |  | Missing Final signed 1003. |  |  | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11509725 | 2840 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Loan Package Documentation | Application / Processing | Credit | waived | 4/XX/2019 | 3 | Missing Document: General Services Administration (GSA) not provided |  | Missing General Services Administration (GSA). |  |  | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11509731 | 2853 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Loan Package Documentation | Application / Processing | Credit | waived | 4/XX/2019 | 3 | Missing Document: Limited Denials of Participation (LDP) not provided |  | Missing Limited Denials of Participation (LDP). |  |  | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11510265 | 5289 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 4/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed - Unable to obtain signed final 1003 from borrower - HUD has cancelled case due to 18+ months from original close date (this is 1x close) and will not reinstate. Has been down 60d and is now current as of this month. |  |  | Buyer Comment (2019/XX/24): Acknowledged<br>Reviewer Comment (2019/XX/25): Buyer acknowledged the exception |
| 285625754 | XXX | XXX |  | 11510269 | 22153 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Insurance | Insurance Documentation | Credit | waived | 4/XX/2019 | 3 | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  | Missing MI Cert and Mortgage Insurance Evidence. |  |  | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11510275 | 23923 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Insurance | Insurance Analysis | Credit | waived | 4/XX/2019 | 2 | Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. |  | Missing "Lender its successors and assigns" on Hazard Insurance policy. |  |  | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11510302 | 929 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Property - Appraisal | Appraisal Documentation | Property | cleared | 5/XX/2019 | 1 | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: 02/XX/2016 | Missing Form 1004D/442 as the Appraisal was made 'Subject To'. |  |  | Seller Comment (2019/XX/06): 442<br>Reviewer Comment (2019/XX/07): 442 provided. Condition cleared. |
| 285625754 | XXX | XXX |  | 11510370 | 22727 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Loan Package Documentation | Government Documentation | Credit | waived | 4/XX/2019 | 3 | FHA - Real Estate Certification is not compliant. | Disclosure: FHA - Real Estate Certification (Government Documents) | FHA Real Estate Certification missing real estate broker signature(s). |  |  | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11511055 | 6582 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | cured | 4/XX/2019 | 1 | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Sufficient cure was provided for 10% tolerance of $XXX. |  | 3/XX/2017 | Reviewer Comment (2019/XX/24): Sufficient cure was provided for 10% tolerance of $XXX on final CD. |
| 285625754 | XXX | XXX |  | 11511306 | 1024 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/2605137) | 30 day gap of employment is missing an explanation |  |  | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11511307 | 1198 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | Unable to obtain signed final 1003 from borrower - HUD has cancelled case due to 18+ months from original close date (this is 1x close) and will not reinstate. Has been down 60d and is now current as of this month. |  |  | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11511309 | 3867 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Non QM. | Loan Designation of HUD Rebuttable Presumption QM per Mavent. |  |  | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11511310 | 19967 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 1 | TRID Servicing Disclosure Timing | File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. | Missing Servicing disclosure provided to borrower within 3 days of application. |  | 3/XX/2017 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11511311 | 4364 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 1 | TRID Final Closing Disclosure Borrower Paid Loan Costs Total Section D | TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 03/XX/2016 disclosed Total Loan Costs (Borrower-Paid) (Section D) that does not match sum of fees. (Final/03/XX/2016) | Total loans costs show as $XXX but paid at closing = $XXX + paid before closing of $XXX = $XXX |  | 3/XX/2017 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11511313 | 4365 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Final Closing Disclosure Borrower Paid Other Costs Total Section I | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2016 disclosed Total Other Costs (Borrower-Paid) (Section I) that does not match sum of fees. (Final/03/XX/2016) | Section I is incomplete. Total is $XXX and Other Costs Subtotal reflects $XXX. |  | 3/XX/2017 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11511314 | 4371 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 1 | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/XX/2016 disclosed a Closing Date that did not match the actual date of consummation. (Final/03/XX/2016) | Closing date shows as 10/XX/16 with a Note date of 3/XX/16 |  | 3/XX/2017 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11511317 | 18604 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 03/XX/2016 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/03/XX/2016) | No seller fees listed and no seller CD was provided |  | 3/XX/2017 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11511318 | 18360 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 1 | TRID Final Closing Disclosure Purpose Test | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/XX/2016 disclosed a Purpose that does not match the actual purpose for the loan. (Final/03/XX/2016) | CD shows Construction - 1003 shows purchase |  | 3/XX/2017 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11511320 | 4406 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Final Closing Disclosure Value Identifier | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/XX/2016 did not contain the appropriate label for Sale Price or Appraised Property Value. (Final/03/XX/2016) | Sales price is blank on the CD |  | 3/XX/2017 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11511322 | 3879 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 1 | TRID Home Loan Toolkit Provided | Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. | Missing Your Home Loan Toolkit Disclosure. |  | 3/XX/2017 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11511323 | 4276 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/03/XX/2016) | Initial CD Issued 3/XX/16: less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing. |  | 3/XX/2017 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11511324 | 3907 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/03/XX/2016) | Initial LE was not provided within 3 days of application. Application date of 1/XX/16, LE is dated 3/XX/16 |  | 3/XX/2017 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11566835 | 5152 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 1 | TRID Final Closing Disclosure Prepaid Other 1 Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2016 did not disclose number of months for School Tax under Prepaids. (Final/03/XX/2016) | The # of months on the final CD is blank for the school taxes collected. |  | 3/XX/2017 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11566836 | 5154 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Final Closing Disclosure Prepaid Other 2 Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2016 did not disclose number of months for Builders Risk Policy under Prepaids. (Final/03/XX/2016) | The # of months on the final CD is blank for the Builders Risk Policy collected. |  | 3/XX/2017 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11566837 | 5180 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 1 | TRID Final Closing Disclosure Prepaid Property Tax Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2016 did not disclose number of months for Property Tax under Prepaids. (Final/03/XX/2016) | The # of months on the final CD is blank for the Property taxes collected. |  | 3/XX/2017 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11566838 | 4704 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Final Closing Disclosure Sales Price | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/XX/2016 disclosed a Sales Price that does not match Sales Price from the Summaries of Transactions Table. (Final/03/XX/2016) | On the 1st page of the final CD, the estimated property value is reflected as $XXX. On the 3rd page of the final CD, in the summaries of transactions, the Construction cost is $XXX. |  | 3/XX/2017 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11566902 | 4376 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/03/XX/2016) | The final Closing Disclosure reflects Finance Charge of $XXX but calculated Finance Charge of $XXX. Variance = $XXX. |  | 3/XX/2017 | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625754 | XXX | XXX |  | 11578771 | 25030 |  | XXX | Purchase | Primary | 3/XX/2016 | PA | $XXX | Loan Review Complete | 4/XX/2019 2:55:01 PM | Compliance | Federal Compliance | Compliance | waived | 4/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/25): The buyer has elected to waive this exception. |
| 285625755 | XXX | XXX |  | 11600467 | 855 |  | XXX | Refinance Cash-out - Other | Investment | 2/XX/2018 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:18:54 PM | Loan Package Documentation | Application / Processing | Credit | waived | 5/XX/2019 | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  | Buyer Comment (2019/XX/01): Waived<br>Reviewer Comment (2019/XX/02): The buyer has elected to waive this exception. |
| 285625755 | XXX | XXX |  | 11600476 | 5290 |  | XXX | Refinance Cash-out - Other | Investment | 2/XX/2018 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:18:54 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 5/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Defect Reason provided on Tape has not been confirmed. Defect reason was that documentation for debts omitted on AUS was not provided; however, the DU results indicate the debts in question are with XXX and XXX and the credit reports in file confirm these were paid off during the processing of the subject loan with new loans. |  |  | Buyer Comment (2019/XX/01): Acknowledged<br>Reviewer Comment (2019/XX/02): Buyer acknowledged the exception |
| 285625755 | XXX | XXX |  | 11600821 | 23688 |  | XXX | Refinance Cash-out - Other | Investment | 2/XX/2018 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:18:54 PM | Insurance | Insurance Analysis | Credit | cleared | 1/XX/2020 | 1 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard coverage is insufficient by $XXX. |  |  | Seller Comment (2019/XX/12): insurance contains replacement costs so meets FNMA guides for coverage<br>Reviewer Comment (2019/XX/13): Received Lender's rebuttal regarding insufficient HOI coverage, however the guides indicate coverage amount is considered sufficient if one of the following 3 are met: Equal to 100% of the full insurable value, which is the cost to replace the structure, Greater than or equal to 80% of the unpaid principal balance and/or includes a replacement cost provision. However, the coverage of $XXX does not cover 80% of the mortgage amount of $XXX. Evidence of a replacement cost provision or 100% of the full insurable value was not indicated on the policy. Referring this issue to XXX for review and disposition<br>Seller Comment (2020/XX/21): hoi<br>Reviewer Comment (2020/XX/30): Updated policy provided exception cleared |
| 285625755 | XXX | XXX |  | 11630988 | 1052 |  | XXX | Refinance Cash-out - Other | Investment | 2/XX/2018 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:18:54 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 2 | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/02/XX/2018) | Appraisal was completed on 01/XX/2018 and provided to the borrower on 01/XX/2018. The only report in file was signed on 02/XX/2018 indicating there was an earlier version of the report that is not in the file. The earlier version of the report is needed for the loan file. |  |  | Buyer Comment (2019/XX/01): Waived<br>Reviewer Comment (2019/XX/02): The buyer has elected to waive this exception. |
| 285625756 | XXX | XXX |  | 11692415 | 22153 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 5/XX/2019 1:20:04 PM | Insurance | Insurance Documentation | Credit | waived | 5/XX/2019 | 3 | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625756 | XXX | XXX |  | 11692476 | 21436 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 5/XX/2019 1:20:04 PM | Loan Package Documentation | Government Documentation | Credit | waived | 5/XX/2019 | 3 | Final HUD Addendum 92900-A is missing. | Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents) |  |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625756 | XXX | XXX |  | 11692487 | 21808 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 5/XX/2019 1:20:04 PM | Loan Package Documentation | Government Documentation | Credit | open |  | 3 | FHA - Initial HUD Addendum to the Loan Application 92900-A is not compliant. | Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents) | The addendum is not signed by the underwriter. |  |  |  |
| 285625756 | XXX | XXX |  | 11692776 | 1198 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 5/XX/2019 1:20:04 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 3 | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | Loan is a manual underwrite and does not meet the guidelines. |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625756 | XXX | XXX |  | 11692777 | 1205 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 5/XX/2019 1:20:04 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 2 | Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Disclosure was not in the loan file. |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625756 | XXX | XXX |  | 11692779 | 1253 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 5/XX/2019 1:20:04 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 3 | HUD QM Points and Fees | HUD Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.56178% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .56178%). | Points and Fees on subject loan of 3.56178% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX. |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625756 | XXX | XXX |  | 11692780 | 1262 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 5/XX/2019 1:20:04 PM | Compliance | Federal Compliance | Compliance | cleared | 5/XX/2019 | 1 | QM Points and Fees | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.56178% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .56178%). | Points and Fees on subject loan of 3.56178% is in excess of the allowable maximum of 3% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX. |  |  | Seller Comment (2019/XX/09): Please see page 5 of attached Compliance work sheet. Fannie/Freddie Points/Fees are Pass<br>Reviewer Comment (2019/XX/10): Received/Reviewed updated information. Condition cleared. |
| 285625756 | XXX | XXX |  | 11692781 | 25506 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 5/XX/2019 1:20:04 PM | Compliance | Federal Compliance | Compliance | cleared | 5/XX/2019 | 1 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 8,031.72 on Final Closing Disclosure provided on 03/XX/2019 not accurate. (Final/03/XX/2019) | The hazard insurance policy reflects an annual premium of $XXX while the CD reflects only $XXX which results in the Amount of Escrowed Property Costs over Year 1 of 8,031.72 on Final Closing Disclosure provided on 03/XX/2019 not being accurate. |  | 3/XX/2020 | Seller Comment (2019/XX/09): Wrong HOI was in the package.<br>Reviewer Comment (2019/XX/10): Received/Reviewed updated information. Condition cleared. |
| 285625756 | XXX | XXX |  | 11692782 | 4673 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 5/XX/2019 1:20:04 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 2 | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/790992) | The hazard insurance policy reflects an annual premium of $XXX while the CD reflects only $XXX which resulted in the Projected Payments: Final Closing Disclosure provided on 03/XX/2019 disclosing an escrow payment for payment stream 1 that does not match the actual payment for the loan. |  | 3/XX/2020 | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625756 | XXX | XXX |  | 11692783 | 4612 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 5/XX/2019 1:20:04 PM | Compliance | Federal Compliance | Compliance | cleared | 5/XX/2019 | 1 | TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2019 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/790992) | The hazard insurance policy reflects an annual premium of $XXX while the CD reflects only $XXX which resulted in Final Closing Disclosure provided on 03/XX/2019 disclosing an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. |  | 3/XX/2020 | Seller Comment (2019/XX/09): Revised HOI<br>Reviewer Comment (2019/XX/10): Received/Reviewed updated information. Condition cleared. |
| 285625756 | XXX | XXX |  | 11692787 | 4826 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 5/XX/2019 1:20:04 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/XX/2019) | Final Closing Disclosure provided on 03/XX/2019 did not disclosed an amount by which the Total Closing Costs exceeded the legal limit. |  | 3/XX/2020 | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625756 | XXX | XXX |  | 11692790 | 6542 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 5/XX/2019 1:20:04 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) | Fee Amount of $XXX exceeds tolerance of $XXX. An insufficient cure of $XXX was provided to the borrower when $XXX was needed. |  | 3/XX/2020 | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625756 | XXX | XXX |  | 11698298 | 25030 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 5/XX/2019 1:20:04 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible – please advise which guidelines are applicable |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625756 | XXX | XXX |  | 11698299 | 3867 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 5/XX/2019 1:20:04 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | The designation determined by the review differs from the one provided. |  |  | Buyer Comment (2019/XX/08): Waived<br>Reviewer Comment (2019/XX/09): The buyer has elected to waive this exception. |
| 285625756 | XXX | XXX |  | 11699808 | 5289 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 5/XX/2019 1:20:04 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 5/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Confirmed: 1) front end ratio (39.89%) exceeds maximum (31%) and co-borrower does not have a credit score. This is required for a manual underwrite. |  |  | Buyer Comment (2019/XX/08): Acknowledged<br>Reviewer Comment (2019/XX/09): Buyer acknowledged the exception |
| 285625757 | XXX | XXX |  | 11877874 | 855 |  | XXX | Refinance Rate/Term | Primary | 4/XX/2017 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Loan Package Documentation | Application / Processing | Credit | waived | 5/XX/2019 | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is located in XXX, California. Provide a post-disaster inspection verifying there was no damage from the XXX. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. |  |  | Buyer Comment (2019/XX/20): Waived<br>Reviewer Comment (2019/XX/21): The buyer has elected to waive this exception. |
| 285625757 | XXX | XXX |  | 11878142 | 2924 |  | XXX | Refinance Rate/Term | Primary | 4/XX/2017 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Loan Package Documentation | Application / Processing | Credit | waived | 5/XX/2019 | 3 | Missing Document: Fraud Report not provided |  | The file was missing a copy of the required fraud report. |  |  | Buyer Comment (2019/XX/22): Waived<br>Reviewer Comment (2019/XX/23): The buyer has elected to waive this exception. |
| 285625757 | XXX | XXX |  | 11878598 | 1205 |  | XXX | Refinance Rate/Term | Primary | 4/XX/2017 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 2 | Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | The file did not contain a Loan Originator Compensation disclosure. |  |  | Buyer Comment (2019/XX/20): Waived<br>Reviewer Comment (2019/XX/21): The buyer has elected to waive this exception. |
| 285625757 | XXX | XXX |  | 11878599 | 25030 |  | XXX | Refinance Rate/Term | Primary | 4/XX/2017 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer Agency eligible and the allowable DTI is not known. |  |  | Buyer Comment (2019/XX/20): Acknowledged<br>Reviewer Comment (2019/XX/21): Buyer acknowledged the exception |
| 285625757 | XXX | XXX |  | 11878600 | 3680 |  | XXX | Refinance Rate/Term | Primary | 4/XX/2017 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 3 | Unknown Loan Designation | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. | The originator's loan designation was not evident in the loan file; however, the designation determined by the review was nonQM. |  |  | Buyer Comment (2019/XX/20): Acknowledged<br>Reviewer Comment (2019/XX/21): Buyer acknowledged the exception |
| 285625757 | XXX | XXX |  | 11878601 | 1257 |  | XXX | Refinance Rate/Term | Primary | 4/XX/2017 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is no longer agency eligible and the DTI exceeds the QM maximum. |  |  | Buyer Comment (2019/XX/20): Waived<br>Reviewer Comment (2019/XX/21): The buyer has elected to waive this exception. |
| 285625757 | XXX | XXX |  | 11878602 | 25677 |  | XXX | Refinance Rate/Term | Primary | 4/XX/2017 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 1 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | The only signed Affiliated Business Arrangement in the loan file is dated 4/XX/2017. |  |  | Buyer Comment (2019/XX/20): Waived<br>Reviewer Comment (2019/XX/21): The buyer has elected to waive this exception. |
| 285625757 | XXX | XXX |  | 11884089 | 2802 |  | XXX | Refinance Rate/Term | Primary | 4/XX/2017 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Loan Package Documentation | Application / Processing | Compliance | waived | 5/XX/2019 | 1 | Missing Document: Missing Lender's Initial 1003 |  | Loan file did not include a copy of the Lender's (Quicken Loans Inc.) initial 1003. |  |  | Buyer Comment (2019/XX/20): Waived<br>Reviewer Comment (2019/XX/21): The buyer has elected to waive this exception. |
| 285625757 | XXX | XXX |  | 11886963 | 5289 |  | XXX | Refinance Rate/Term | Primary | 4/XX/2017 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 5/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed, Employment - It was discovered post-closing that the client is no longer employed. His employment was terminated as of 3/XX/17, and we closed 4/XX/17. Loan was modified to avoid foreclosure. |  |  | Buyer Comment (2019/XX/20): Acknowledged<br>Reviewer Comment (2019/XX/21): Buyer acknowledged the exception |
| 285625757 | XXX | XXX |  | 11890006 | 4971 |  | XXX | Refinance Rate/Term | Primary | 4/XX/2017 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 3 | Appendix Q Liabilities - Revolving | Qualified Mortgage (Dodd-Frank 2014): Revolving Liabilities that have an effect on the consumer's ability to repay have been excluded from DTI calculation. | Borrower is authorized user and not responsible for payment(s). |  |  | Buyer Comment (2019/XX/20): Acknowledged<br>Reviewer Comment (2019/XX/21): Buyer acknowledged the exception |
| 285625757 | XXX | XXX |  | 11896819 | 6297 |  | XXX | Refinance Rate/Term | Primary | 4/XX/2017 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 1 | TRID Esign Consent Agreement Status | ESIGN Act – Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $XXX and disclosure timing violations. | The file did not contain an esign consent agreement. |  | 4/XX/2018 | Buyer Comment (2019/XX/20): Waived<br>Reviewer Comment (2019/XX/21): The buyer has elected to waive this exception. |
| 285625758 | XXX | XXX |  | 11883089 | 1198 |  | XXX | Refinance Cash-out - Other | Primary | 2/XX/2019 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 3 | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | Loan is no longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/21): Acknowledged<br>Reviewer Comment (2019/XX/22): Buyer acknowledged the exception |
| 285625758 | XXX | XXX |  | 11883228 | 2853 |  | XXX | Refinance Cash-out - Other | Primary | 2/XX/2019 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Loan Package Documentation | Application / Processing | Credit | waived | 5/XX/2019 | 3 | Missing Document: Limited Denials of Participation (LDP) not provided |  | Missing Limited Denials of Participation (LDP). |  |  | Seller Comment (2019/XX/21): We perform the LDP search on every transaction. We do not upload the search results to our system, but it is done on every transaction. I have gone ahead and searched the borrower manually and attached are the findings. The borrower is not on this list. https://www5.hud.gov/Ecpcis/main/ECPCIS_List/main/ECPCIS_List.jsp<br>Reviewer Comment (2019/XX/22): Lender provided LDP search for borrower however the search for the Loan officer was not included. AMC agrees that there is no requirement to retain the LDP / GSA searches, but without the searches we cannot verify that all searches are performed on the correct parties and that there were no issues. Exception referred to XXX for review and disposition.<br>Buyer Comment (2019/XX/24): Waived<br>Reviewer Comment (2019/XX/28): The buyer has elected to waive this exception. |
| 285625758 | XXX | XXX |  | 11883366 | 22153 |  | XXX | Refinance Cash-out - Other | Primary | 2/XX/2019 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Insurance | Insurance Documentation | Credit | waived | 5/XX/2019 | 3 | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  | Missing Mortgage Insurance Certificate and Mortgage Insurance Evidence. |  |  | Buyer Comment (2019/XX/21): Waived<br>Reviewer Comment (2019/XX/22): The buyer has elected to waive this exception. |
| 285625758 | XXX | XXX |  | 11893803 | 5152 |  | XXX | Refinance Cash-out - Other | Primary | 2/XX/2019 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 1 | TRID Final Closing Disclosure Prepaid Other 1 Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/XX/2019 did not disclose number of months for Delinquent Taxes County Taxes to XXX under Prepaids. (Final/02/XX/2019) | The final CD does not reflect the # of months that was collected at closing for the delinquent county taxes. |  | 2/XX/2020 | Buyer Comment (2019/XX/21): Acknowledged<br>Reviewer Comment (2019/XX/22): Buyer acknowledged the exception |
| 285625758 | XXX | XXX |  | 11894040 | 2924 |  | XXX | Refinance Cash-out - Other | Primary | 2/XX/2019 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Loan Package Documentation | Application / Processing | Credit | waived | 5/XX/2019 | 3 | Missing Document: Fraud Report not provided |  | Missing Fraud Report. |  |  | Buyer Comment (2019/XX/22): Waived<br>Reviewer Comment (2019/XX/23): The buyer has elected to waive this exception. |
| 285625758 | XXX | XXX |  | 11894359 | 5289 |  | XXX | Refinance Cash-out - Other | Primary | 2/XX/2019 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 5/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed - Employment - DTI exceeds max guidelines. We were notified post close that the client is no longer employed. Without this income, DTI increases to > 96%. <br> \*\*In the loan file, Verbal Verification of Employment dated 2/XX/2019. The form indicates the borrower is no longer employed with XXX as of 1/XX/2019. There is also a Work Number VVOE in file dated 2/XX/2019 that reflects the termination date for the borrower of 1/XX/2019. On page 300/556 there is a VVOE from XXX dated 2/XX/2019 that reflects the borrower is active and has been employed since 7/XX/2010. Took out income that was used for qualifying for the XXX which results in a DTI of 77.654%. |  |  | Buyer Comment (2019/XX/21): Acknowledged<br>Reviewer Comment (2019/XX/22): Buyer acknowledged the exception |
| 285625758 | XXX | XXX |  | 11894548 | 25030 |  | XXX | Refinance Cash-out - Other | Primary | 2/XX/2019 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/21): Acknowledged<br>Reviewer Comment (2019/XX/22): Buyer acknowledged the exception |
| 285625758 | XXX | XXX |  | 11894549 | 3867 |  | XXX | Refinance Cash-out - Other | Primary | 2/XX/2019 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of HUD Safe Harbor QM. |  |  | Buyer Comment (2019/XX/21): Acknowledged<br>Reviewer Comment (2019/XX/22): Buyer acknowledged the exception |
| 285625758 | XXX | XXX |  | 11894550 | 1257 |  | XXX | Refinance Cash-out - Other | Primary | 2/XX/2019 | CA | $XXX | Loan Review Complete | 5/XX/2019 4:51:53 PM | Compliance | Federal Compliance | Compliance | waived | 5/XX/2019 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/21): Acknowledged<br>Reviewer Comment (2019/XX/22): Buyer acknowledged the exception |
| 285625759 | XXX | XXX |  | 11777627 | 5367 |  | XXX | Purchase | Investment | 3/XX/2016 | NY | $XXX | Loan Review Complete | 5/XX/2019 10:37:14 AM | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Credit | waived | 5/XX/2019 | 3 | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 98.05578% exceeds AUS total debt ratio of 30.28000%. | Base income similar to 1003 value however rental income on subject property not included as no verification of such was located in file. |  |  | Buyer Comment (2019/XX/17): Waived<br>Reviewer Comment (2019/XX/20): The buyer has elected to waive this exception. |
| 285625759 | XXX | XXX |  | 11777684 | 5289 |  | XXX | Purchase | Investment | 3/XX/2016 | NY | $XXX | Loan Review Complete | 5/XX/2019 10:37:14 AM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 5/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed. FNMA repurchase. Occupancy misrepresented. Borrower indicated they would not occupy and used rental income to qualify. Borrower actually occupied property and rental income from owner-occupied is not allowed. |  |  | Buyer Comment (2019/XX/17): Acknowledged<br>Reviewer Comment (2019/XX/20): Buyer acknowledged the exception |
| 285625760 | XXX | XXX |  | 12407920 | 5290 |  | XXX | Purchase | Primary | 1/XX/2019 | VA | $XXX | Loan Review Complete | 6/XX/2019 5:47:18 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 7/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Defect reason provided on tape has not been confirmed: Income is over XXX income limits due to borrower getting marries before closing and husbands income was not vetted and only an estimate was used. Missing previous VOE to validate a deposit, do not have employer info or authorization from borrower's husband. \*\* 1x30 - loan was supposed to be sold to XXX and the borrower is instructed to send the payments to XXX however XXX had not purchased the loan by the 1st payment date so the borrower was unable to make their payment to XXX as the loan was not in XXX's system yet. Have XXX info on 1st payment letter to show the borrower was instructed correctly however XXX did not follow the proper procedures for the borrower's payment. Loan has MCC, no MI and 2% Grant |  |  | Buyer Comment (2019/XX/28): Waived<br>Reviewer Comment (2019/XX/01): The buyer has elected to waive this exception. |
| 285625760 | XXX | XXX |  | 12407958 | 25030 |  | XXX | Purchase | Primary | 1/XX/2019 | VA | $XXX | Loan Review Complete | 6/XX/2019 5:47:18 PM | Compliance | Federal Compliance | Compliance | waived | 7/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible – please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/28): Waived<br>Reviewer Comment (2019/XX/01): The buyer has elected to waive this exception. |
| 285625760 | XXX | XXX |  | 12407960 | 25319 |  | XXX | Purchase | Primary | 1/XX/2019 | VA | $XXX | Loan Review Complete | 6/XX/2019 5:47:18 PM | Compliance | Federal Compliance | Compliance | waived | 7/XX/2019 | 1 | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). | There is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). |  |  | Buyer Comment (2019/XX/28): Waived<br>Reviewer Comment (2019/XX/01): The buyer has elected to waive this exception. |
| 285625760 | XXX | XXX |  | 12407961 | 25506 |  | XXX | Purchase | Primary | 1/XX/2019 | VA | $XXX | Loan Review Complete | 6/XX/2019 5:47:18 PM | Compliance | Federal Compliance | Compliance | waived | 7/XX/2019 | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 01/XX/2019 not accurate. (Final/01/XX/2019) | Amount of Escrowed Property Costs over Year 1 of XXX includes City Property Taxes of $XXX/month. These taxes are not included in estimated escrow payments or Sections F and G of the CD. They are only disclosed on the First Payment Letter. |  | 1/XX/2020 | Buyer Comment (2019/XX/28): Waived<br>Reviewer Comment (2019/XX/01): The buyer has elected to waive this exception. |
| 285625761 | XXX | XXX |  | 12662277 | 2924 |  | XXX | Purchase | Primary | 9/XX/2018 | TX | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Loan Package Documentation | Application / Processing | Credit | waived | 7/XX/2019 | 3 | Missing Document: Fraud Report not provided |  |  |  |  | Buyer Comment (2019/XX/19): Waived<br>Reviewer Comment (2019/XX/22): The Client has elected to waive this exception without compensating factors. |
| 285625761 | XXX | XXX |  | 12662947 | 25838 |  | XXX | Purchase | Primary | 9/XX/2018 | TX | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Income / Employment | Income Documentation | Credit | cleared | 7/XX/2019 | 1 | REO Documents are missing. | Address: XXX, TX Insurance Verification, Statement, Tax Verification | Unable to determine if escrows were included in monthly payment due to missing insurance verification, mortgage statement and tax verification. |  |  | Seller Comment (2019/XX/24): see the attached schedule e to confirm taxes and insurance.<br>Reviewer Comment (2019/XX/25): Reviewed 1040's for qualifying information. Condition cleared. |
| 285625761 | XXX | XXX |  | 12662967 | 23086 |  | XXX | Purchase | Primary | 9/XX/2018 | TX | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Asset | Asset Calculation / Analysis | Credit | waived | 7/XX/2019 | 3 | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. | Assets for Closing of $XXX is less than Cash From Borrower $XXX. |  |  | Buyer Comment (2019/XX/19): Waived<br>Reviewer Comment (2019/XX/22): The Client has elected to waive this exception without compensating factors. |
| 285625761 | XXX | XXX |  | 12663026 | 5290 |  | XXX | Purchase | Primary | 9/XX/2018 | TX | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 7/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Defect reason provided on tape has not been confirmed - Occupancy - This loan closed as a primary residence. However, after closing, it was found that the client did not take occupancy of the subject property and listed it for rent.<br>The loan file does not contain evidence to support borrower is renting primary residence. There is no lease agreement or other documentation that shows the property is listed to be a rental dwelling. |  |  | Buyer Comment (2019/XX/19): Acknowledged<br>Reviewer Comment (2019/XX/22): The Client has acknowledged this exception and is electing to waive it without compensating factors. |
| 285625761 | XXX | XXX |  | 12663177 | 4376 |  | XXX | Purchase | Primary | 9/XX/2018 | TX | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Compliance | Federal Compliance | Compliance | cleared | 7/XX/2019 | 1 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/09/XX/2018) | Disclosure reflects finance charges of $XXX; calculated finance charges are $XXX. Documentation in file indicates lender's finance charges only reflect flood fee, tax service fee and prepaid interest. |  | 9/XX/2019 | Seller Comment (2019/XX/24): See the attached CD addendum to confirm non-borrower paid fees excluded from the finance charge.<br>Reviewer Comment (2019/XX/25): Reviewed Seller paid credits. Condition cleared. |
| 285625761 | XXX | XXX |  | 12663186 | 1257 |  | XXX | Purchase | Primary | 9/XX/2018 | TX | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Compliance | Federal Compliance | Compliance | waived | 7/XX/2019 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is no longer agency eligible and the DTI exceeds the QM benchmark of 43%. |  |  | Buyer Comment (2019/XX/19): Acknowledged<br>Reviewer Comment (2019/XX/22): The Client has acknowledged this exception and is electing to waive it without compensating factors. |
| 285625761 | XXX | XXX |  | 12663200 | 1026 |  | XXX | Purchase | Primary | 9/XX/2018 | TX | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Compliance | Miscellaneous Compliance | Compliance | waived | 7/XX/2019 | 3 | Rental Income Documentation - Schedule E Method | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E) | Lease agreement and signed 2017 tax returns are missing from the file. |  |  | Buyer Comment (2019/XX/19): Waived<br>Reviewer Comment (2019/XX/22): The Client has elected to waive this exception without compensating factors. |
| 285625761 | XXX | XXX |  | 12663211 | 3867 |  | XXX | Purchase | Primary | 9/XX/2018 | TX | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Compliance | Federal Compliance | Compliance | waived | 7/XX/2019 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan is no longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/19): Acknowledged<br>Reviewer Comment (2019/XX/22): The Client has acknowledged this exception and is electing to waive it without compensating factors. |
| 285625761 | XXX | XXX |  | 12663221 | 4822 |  | XXX | Purchase | Primary | 9/XX/2018 | TX | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Compliance | Federal Compliance | Compliance | cleared | 7/XX/2019 | 1 | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 09/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/09/XX/2018) | Calculated monthly escrow payment of $XXX > Closing Disclosure escrow amount of $XXX due to including MI in monthly payment. |  | 9/XX/2019 | Buyer Comment (2019/XX/19): Not understanding the issue here. Per the Loan Disclosure section on page 4 of the CD, the Monthly Escrow Payment is the $XXX. And the escrow info on page 1 in the Projected Payments section totals $XXX when you combine the Mortgage Insurance amount of $XXX and Estimated Escrow amount of $XXX.<br>Reviewer Comment (2019/XX/22): Cleared per CHD-13900. |
| 285625761 | XXX | XXX |  | 12663224 | 6445 |  | XXX | Purchase | Primary | 9/XX/2018 | TX | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Compliance | Federal Compliance | Compliance | cleared | 7/XX/2019 | 1 | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.14080% or Final Disclosure APR of 5.90900% is in excess of allowable threshold of APOR 4.56% + 1.5%, or 6.06000%. Compliant Higher Priced Mortgage Loan. | APR on subject loan of 6.14080% or Final Disclosure APR of 5.90900% is in excess of allowable threshold of APOR 4.56% + 1.5%, or 6.06000%. Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2019/XX/25): Reviewed Seller paid credits. Condition cleared. |
| 285625761 | XXX | XXX |  | 12671539 | 25030 |  | XXX | Purchase | Primary | 9/XX/2018 | TX | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Compliance | Federal Compliance | Compliance | waived | 7/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/19): Acknowledged<br>Reviewer Comment (2019/XX/22): The Client has acknowledged this exception and is electing to waive it without compensating factors. |
| 285625761 | XXX | XXX |  | 12672427 | 25279 |  | XXX | Purchase | Primary | 9/XX/2018 | TX | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Credit | Credit Documentation | Credit | waived | 7/XX/2019 | 1 | Reported liability reflects the borrower as an Authorized User. This debt has been excluded from QM qualification. | Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX, Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX, Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX, Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX, Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX, Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX, Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX, Credit Report: Original // Liability Type: Revolving / Current Balance: $XXX / Line Limit: $XXX | For informational purposes, several liabilities were excluded due to being authorized user. |  |  | Buyer Comment (2019/XX/19): Acknowledged<br>Reviewer Comment (2019/XX/22): The Client has acknowledged this exception and is electing to waive it without compensating factors. |
| 285625761 | XXX | XXX |  | 12919272 | 25319 |  | XXX | Purchase | Primary | 9/XX/2018 | TX | $XXX | Loan Review Complete | 7/XX/2019 8:38:38 AM | Compliance | Federal Compliance | Compliance | waived | 7/XX/2019 | 1 | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). | Acknowledged. |  |  | Buyer Comment (2019/XX/25): Acknowledged<br>Reviewer Comment (2019/XX/25): The Client has acknowledged this exception and is electing to waive it without compensating factors. |
| 285625761 | XXX | XXX |  | 12919273 | 25320 |  | XXX | Purchase | Primary | 9/XX/2018 | TX | $XXX | Loan Review Complete | 7/XX/2019 8:38:38 AM | Compliance | Federal Compliance | Compliance | waived | 7/XX/2019 | 1 | TRID Closing Disclosure Partial Lump Sum Credit | Partial Lump Sum Credit Allocation on Separate Itemization - Compliance Review Required | Acknowledged. |  |  | Buyer Comment (2019/XX/25): Acknowledged<br>Reviewer Comment (2019/XX/25): The Client has acknowledged this exception and is electing to waive it without compensating factors. |
| 285625762 | XXX | XXX |  | 12610774 | 2924 |  | XXX | Purchase | Primary | 7/XX/2017 | MI | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Loan Package Documentation | Application / Processing | Credit | waived | 7/XX/2019 | 3 | Missing Document: Fraud Report not provided |  | Fraud report is missing from file. |  |  | Buyer Comment (2019/XX/19): Waived<br>Reviewer Comment (2019/XX/22): The Client has elected to waive this exception without compensating factors. |
| 285625762 | XXX | XXX |  | 12641492 | 25319 |  | XXX | Purchase | Primary | 7/XX/2017 | MI | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Compliance | Federal Compliance | Compliance | waived | 7/XX/2019 | 1 | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). |  |  |  | Buyer Comment (2019/XX/19): Waived<br>Reviewer Comment (2019/XX/22): The Client has elected to waive this exception without compensating factors. |
| 285625762 | XXX | XXX |  | 12643543 | 4404 |  | XXX | Purchase | Primary | 7/XX/2017 | MI | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Compliance | Federal Compliance | Compliance | cured | 7/XX/2019 | 1 | TRID Final Closing Disclosure Total Interest Percentage | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 07/XX/2017 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/07/XX/2017) | Disclosure reflects TIP as 90.513% but calculated TIP is 90.716% which is outside the .003% tolerance. Difference amount is .203%. |  | 7/XX/2018 |  |
| 285625762 | XXX | XXX |  | 12643962 | 4826 |  | XXX | Purchase | Primary | 7/XX/2017 | MI | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Compliance | Federal Compliance | Compliance | cured | 7/XX/2019 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/XX/2017) | Erroneous Reg ID 2933. No tolerance violation of Transfer Tax due to being seller paid. |  | 7/XX/2018 |  |
| 285625762 | XXX | XXX |  | 12662996 | 6516 |  | XXX | Purchase | Primary | 7/XX/2017 | MI | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 7/XX/2019 | 3 | AUS/Guideline Findings: All conditions were not met |  | Loan is no longer agency eligible – please advise which guidelines are applicable. File was missing verification of Gift Funds in the amount of $XXX. |  |  | Buyer Comment (2019/XX/19): Waived<br>Reviewer Comment (2019/XX/22): The Client has elected to waive this exception without compensating factors. |
| 285625762 | XXX | XXX |  | 12663000 | 23085 |  | XXX | Purchase | Primary | 7/XX/2017 | MI | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Asset | Asset Calculation / Analysis | Credit | waived | 7/XX/2019 | 3 | AUS Findings: Available for Closing discrepancy. | Documented qualifying Assets of $XXX is less than AUS Available for Closing of $XXX. | Loan is no longer agency eligible – please advise which guidelines are applicable. File was missing verification of Gift Funds in the amount of $XXX. |  |  | Buyer Comment (2019/XX/19): Acknowledged<br>Reviewer Comment (2019/XX/22): The Client has acknowledged this exception and is electing to waive it without compensating factors. |
| 285625762 | XXX | XXX |  | 12663002 | 23945 |  | XXX | Purchase | Primary | 7/XX/2017 | MI | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Asset | Asset Documentation | Credit | waived | 7/XX/2019 | 3 | Asset documentation requirements not met according to Decision System Input. | All documentation requirements for LP / LPA were not met. | Loan is no longer agency eligible – please advise which guidelines are applicable. File was missing verification of Gift Funds in the amount of $XXX. |  |  | Buyer Comment (2019/XX/19): Acknowledged<br>Reviewer Comment (2019/XX/22): The Client has acknowledged this exception and is electing to waive it without compensating factors. |
| 285625762 | XXX | XXX |  | 12701142 | 5290 |  | XXX | Purchase | Primary | 7/XX/2017 | MI | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 7/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Defect reason provided on tape has not been confirmed: Income - Based on an updated written employment verification from XXX that we obtain post-closing reflects that the client's last of employment was 7/XX/17 which was prior to the loan closing on 7/XX/17. This was the only income reflected in the qualification. |  |  | Buyer Comment (2019/XX/19): Waived<br>Reviewer Comment (2019/XX/22): The Client has elected to waive this exception without compensating factors. |
| 285625762 | XXX | XXX |  | 12701227 | 3867 |  | XXX | Purchase | Primary | 7/XX/2017 | MI | $XXX | Loan Review Complete | 7/XX/2019 2:24:48 PM | Compliance | Federal Compliance | Compliance | waived | 7/XX/2019 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | .Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings. |  |  | Buyer Comment (2019/XX/19): Waived<br>Reviewer Comment (2019/XX/22): The Client has elected to waive this exception without compensating factors. |
| 285625763 | XXX | XXX |  | 13055212 | 5290 |  | XXX | Purchase | Primary | 10/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 6:28:33 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | open |  | 2 | Due Diligence results do not confirm loan defect provided |  | Defect reason provided on tape has not been confirmed : Borrower not employed at closing. The loan file provided no evidence the borrower was not employed at the time of closing. The underwriter obtained a VOE from the Work Number dated four days prior to close with information current as of 09/XX/2018 (17 days prior to close) reflecting the borrower was currently employed and has been since 03/XX/2015. |  |  | Buyer Comment (2019/XX/13): Acknowledged<br>Reviewer Comment (2019/XX/14): Client acknowledged the condition |
| 285625763 | XXX | XXX |  | 13055258 | 23923 |  | XXX | Purchase | Primary | 10/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 6:28:33 PM | Insurance | Insurance Analysis | Credit | waived | 8/XX/2019 | 2 | Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. |  | XXX was listed on the hazard policy rather than XXX. |  |  | Buyer Comment (2019/XX/13): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br>Reviewer Comment (2019/XX/14): Client elected to waive |
| 285625763 | XXX | XXX |  | 13055799 | 18604 |  | XXX | Purchase | Primary | 10/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 6:28:33 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 10/XX/2018 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/10/XX/2018) | No seller paid fees were noted on either the final or seller CD. |  | 10/XX/2019 | Buyer Comment (2019/XX/13): Acknowledged<br>Reviewer Comment (2019/XX/14): Please advise if client is electing to waive. Previous comment states acknowledged. |
| 285625763 | XXX | XXX |  | 13055800 | 4826 |  | XXX | Purchase | Primary | 10/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 6:28:33 PM | Compliance | Federal Compliance | Compliance | cured | 8/XX/2019 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/XX/2018) | The Final Closing Disclosure did not provide a dollar amount by which total closing costs were exceeded, |  | 10/XX/2019 |  |
| 285625763 | XXX | XXX |  | 13055802 | 4276 |  | XXX | Purchase | Primary | 10/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 6:28:33 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/10/XX/2018) | There is no evidence that the Final Closing Disclosure was provided to the borrower within three business days of closing. |  | 10/XX/2019 | Buyer Comment (2019/XX/13): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br>Reviewer Comment (2019/XX/14): Client elected to waive |
| 285625763 | XXX | XXX |  | 13055806 | 6542 |  | XXX | Purchase | Primary | 10/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 6:28:33 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  | 10/XX/2019 | Buyer Comment (2019/XX/13): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br>Reviewer Comment (2019/XX/14): Client elected to waive |
| 285625763 | XXX | XXX |  | 13055938 | 4376 |  | XXX | Purchase | Primary | 10/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 6:28:33 PM | Compliance | Federal Compliance | Compliance | cured | 8/XX/2019 | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/10/XX/2018) | Disclosure reflects Finance Charge of $XXX but calculated Finance Charge of $XXX for a Variance = $XXX. |  | 10/XX/2019 | Buyer Comment (2019/XX/15): Please provide the fees and breakdown used for the calculation. Once received, I will forward to our internal TRID team. Thank you<br>Reviewer Comment (2019/XX/16): Fees included in prepaid finance charges are as follows: Compliance Audit $XXX Flood Cert $XXX Funding Fee $XXX Loan Origination $XXX Prepaid Interest $XXX, Processing Fee $XXX Tax Service Fee $XXX Title - Recording Service Fee $XXX, Title - Service Charges $XXX Title - Settlement Fee $XXX Underwriting Fee $XXX and Verification of Tax Return $XXX.<br>Seller Comment (2019/XX/21): Title services should not be included in APR. Title Services is not included on any of the APR matrices we have as reference. (Attached pg77). WE do agree with the Compliance/Admin fee however if we included the compliance/admin fee and remove the title services fee from your calculation, it is a wash.<br>Reviewer Comment (2019/XX/22): Title "service charges" are generally coordination or processing type fees that are not specifically related to issuance of title or preparation of loan-related documents such as deeds, mortgages, reconveyance or settlement documents, or other purposes that would qualify for exclusion from finance charge under 1026.4(c)(7). The service/processing type nature of the fee would put the fee more in line with a coordination or processing fee which are finance charges under 1026.4(a)(1) since the creditor required the use of the title company and the charge is not a charge that is excluded from finance charges under 1026.4(c)(7). A Corrected CD, copy of refund check for the under-disclosed amount, letter of explanation and proof of delivery are required to cure.<br>Seller Comment (2019/XX/27): Please find the post consummation CD attached<br>Reviewer Comment (2019/XX/28): AMC received PCCD indicating cure of $XXX LOE, and shipping label. Please provide refund check and proof of delivery to cure.<br>Seller Comment (2019/XX/29): Check copy and tracking info<br>Reviewer Comment (2019/XX/30): SitusAMC received required documents, exception is cured. |
| 285625763 | XXX | XXX |  | 13606384 | 6545 |  | XXX | Purchase | Primary | 10/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 11:40:04 AM | Compliance | Federal Compliance | Compliance | cured | 8/XX/2019 | 1 | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower. (8304) | Client elected to waive exception. |  | 10/XX/2019 |  |
| 285625764 | XXX | XXX |  | 13208521 | 5289 |  | XXX | Purchase | Primary | 12/XX/2017 | MA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 8/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed. - DOCUMENTATION: The mortgage file lacked the following required documentation: \* Evidence of the transfer of gift funds totaling $XXX from the gift donors to the Borrower's account or directly to the escrow/title company. The Borrower's total acceptable verified assets do not satisfy cash to close requirements. Note: To date, Freddie Mac has documentation verifying 10 gifts with corresponding gift letters and gift funds totaling $XXX. An additional 5 gifts with gift funds totaling $XXX are missing either the gift letter or evidence of transfer. Freddie Mac has not received any documentation for the remaining $XXX in gift funds.<br> ...<br> Gift funds of $XXX verified deposited to XXX account. Unable to use remaining funds of $XXX in XXX account because 2 consecutive months statements not provided in file. Statements provided cover only dates of deposits and borrower stated they made cash deposits from cash on hand. |  |  | Buyer Comment (2019/XX/19): Acknowledged<br>Reviewer Comment (2019/XX/20): The Client has acknowledged this exception and is electing to waive it without compensating factors. |
| 285625764 | XXX | XXX |  | 13208524 | 6516 |  | XXX | Purchase | Primary | 12/XX/2017 | MA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 8/XX/2019 | 3 | AUS/Guideline Findings: All conditions were not met |  | Insufficient documentation was provided in the file to verify assets needed for closing. |  |  | Buyer Comment (2019/XX/19): Waived - irrelevant now<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625764 | XXX | XXX |  | 13208529 | 23086 |  | XXX | Purchase | Primary | 12/XX/2017 | MA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Asset | Asset Calculation / Analysis | Credit | waived | 8/XX/2019 | 3 | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. |  |  |  | Buyer Comment (2019/XX/19): Waived - irrelevant now<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625764 | XXX | XXX |  | 13208547 | 23945 |  | XXX | Purchase | Primary | 12/XX/2017 | MA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Asset | Asset Documentation | Credit | waived | 8/XX/2019 | 3 | Asset documentation requirements not met according to Decision System Input. | All documentation requirements for LP / LPA were not met. | The documentation provided for cash to close included unverifiable cash deposits and did not verify $XXX gift funds. |  |  | Buyer Comment (2019/XX/19): Waived - stated defect<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625764 | XXX | XXX |  | 13208548 | 6239 |  | XXX | Purchase | Primary | 12/XX/2017 | MA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 8/XX/2019 | 3 | Payment Shock exceeds credit guidelines. | Payment Shock: 283.48700% | Loan is no longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/19): Waived - irrelevant now<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625764 | XXX | XXX |  | 13208629 | 23083 |  | XXX | Purchase | Primary | 12/XX/2017 | MA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 1 | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/3128863) | Loan is no longer agency eligible – please advise which guidelines are applicable. File was missing Verification of the borrower's employment by a third party. |  |  | Buyer Comment (2019/XX/19): Waived - 1<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |

| 285625764 | XXX | XXX |  | 13208632 | 3721 |  | XXX | Purchase | Primary | 12/XX/2017 | MA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/11/XX/2017) |  |  |  | Buyer Comment (2019/XX/19): Waived - 2<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625764 | XXX | XXX |  | 13208633 | 25030 |  | XXX | Purchase | Primary | 12/XX/2017 | MA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/19): Waived - priced as atr fail<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625764 | XXX | XXX |  | 13208634 | 3680 |  | XXX | Purchase | Primary | 12/XX/2017 | MA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 3 | Unknown Loan Designation | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. | A High Cost Analysis was not provided in the file. |  |  | Buyer Comment (2019/XX/19): Waived - accept dil desig<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625764 | XXX | XXX |  | 13208635 | 1257 |  | XXX | Purchase | Primary | 12/XX/2017 | MA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is no longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/19): Waived - priced as atr fail<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625764 | XXX | XXX |  | 13208676 | 4826 |  | XXX | Purchase | Primary | 12/XX/2017 | MA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | cured | 8/XX/2019 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 12/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/XX/2017) | No cure provided on the final CD. |  | 12/XX/2018 |  |
| 285625764 | XXX | XXX |  | 13208678 | 6542 |  | XXX | Purchase | Primary | 12/XX/2017 | MA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Release Tracking Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77211) | No cure found in the loan file and no valid change of circumstance. |  | 12/XX/2018 | Buyer Comment (2019/XX/19): Waived - 2<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625765 | XXX | XXX |  | 13196943 | 5290 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 8/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Defect reason provided on tape of "Employment Validation - DU Close By Date Not Met - Borrower Not Employed - VOE Updated: Employment validation was obtained for the borrower through Desktop Underwriter's (DU) Validation Service. In order to obtain Day One Certainty, DU required that the loan close by 5/XX/2018. The loan closed on 5/XX/2018, which was after the date required by DU. The file contained an updated employment verification, however, the loan was not resubmitted to DU. Research confirmed this borrower(s) was not employed as disclosed as of 5/XX/2018. Excluding the income resulted in a revised total monthly income of $XXX and a revised DTI that could not be calculated," has not been confirmed. The loan file contained an AUS dated 05/XX/2018 with a close by date of 08/XX/2018 verifying the loan was resubmitted to DU. The loan file did not provide evidence the borrower was not employed at the time of closing. |  |  | Buyer Comment (2019/XX/19): Acknowledged<br>Reviewer Comment (2019/XX/20): The Client has acknowledged this exception and is electing to waive it without compensating factors. |
| 285625765 | XXX | XXX |  | 13196965 | 23688 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Insurance | Insurance Analysis | Credit | cleared | 8/XX/2019 | 1 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Included extended coverage, hazard still insufficient to cover dwelling. No evidence of guaranteed replaced coverage or estimated cost of repair. |  |  | Seller Comment (2019/XX/20): HOI Replacement cost Pg 5 Checklist of Coverage<br>Reviewer Comment (2019/XX/21): To clear conditions, the file would need either a letter from the Insurer stating the maximum insurable amount and/or a replacement cost estimator from the insurer.<br>Seller Comment (2019/XX/23): Updated HOI<br>Seller Comment (2019/XX/23): HOI coverage<br>Reviewer Comment (2019/XX/26): Received properties blanket coverage policy. Cleared. |
| 285625765 | XXX | XXX |  | 13198404 | 3721 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/05/XX/2018) | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and there is no evidence that the appraisal was provided at or before closing. |  |  | Buyer Comment (2019/XX/19): Waived - 2<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625765 | XXX | XXX |  | 13198405 | 25030 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible – please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/19): Waived - priced as atr fail<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625765 | XXX | XXX |  | 13198406 | 3680 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 3 | Unknown Loan Designation | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. |  |  |  | Buyer Comment (2019/XX/19): Waived - accept dil desig<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625765 | XXX | XXX |  | 13198475 | 1024 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 3 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/3128864) | Loan is no longer agency eligible – please advise which guidelines are applicable. File was missing the borrower Gap Letter as Any job gap > 30 days requires an LOE.. |  |  | Buyer Comment (2019/XX/19): Waived - priced as atr fail<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625765 | XXX | XXX |  | 13198478 | 1257 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is no longer agency eligible – please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/19): Waived - priced as atr fail<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625765 | XXX | XXX |  | 13198479 | 6411 |  | XXX | Purchase | Primary | 5/XX/2018 | FL | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 1 | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/05/XX/2018) | The loan file contained an illegible copy of page 1 of the Seller's CD. |  | 5/XX/2019 | Buyer Comment (2019/XX/19): Waived - 1<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625766 | XXX | XXX |  | 13215967 | 2808 |  | XXX | Purchase | Primary | 6/XX/2017 | CA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Loan Package Documentation | Application / Processing | Credit | cleared | 8/XX/2019 | 1 | Missing Document: Approval not provided |  |  |  |  | Seller Comment (2019/XX/20): Approval<br>Reviewer Comment (2019/XX/21): Received. Cleared. |
| 285625766 | XXX | XXX |  | 13216403 | 23688 |  | XXX | Purchase | Primary | 6/XX/2017 | CA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Insurance | Insurance Analysis | Credit | waived | 8/XX/2019 | 3 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Replacement coverage including extended amount is $XXX per appraisal cost new is $XXX and loan amount is $XXX therefore insurance is at minimum $XXX short of coverage required for loan. |  |  | Buyer Comment (2019/XX/19): Waived - irrelevant now - servicing<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625766 | XXX | XXX |  | 13216526 | 5290 |  | XXX | Purchase | Primary | 6/XX/2017 | CA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 8/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Defect reason provided on tape has not been confirmed. - Early payment default - insufficient income. Income documentation verified and supported. |  |  | Buyer Comment (2019/XX/19): Acknowledged<br>Reviewer Comment (2019/XX/20): The Client has acknowledged this exception and is electing to waive it without compensating factors. |
| 285625766 | XXX | XXX |  | 13216721 | 3721 |  | XXX | Purchase | Primary | 6/XX/2017 | CA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/06/XX/2017) |  |  |  | Buyer Comment (2019/XX/19): Waived - 2<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625766 | XXX | XXX |  | 13216722 | 4826 |  | XXX | Purchase | Primary | 6/XX/2017 | CA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2017) | No cure was disclosed for the lender credit tolerance issue. |  | 6/XX/2018 | Buyer Comment (2019/XX/19): Waived - 1<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625766 | XXX | XXX |  | 13216723 | 6331 |  | XXX | Purchase | Primary | 6/XX/2017 | CA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 2 | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX is less than amount of binding Lender Credit previously disclosed in the amount of -$XXX. (9300) | Change of circumstance not provided as to why the Lender was no longer giving credit of $XXX to the Borrower as previously disclosed. |  | 6/XX/2018 | Buyer Comment (2019/XX/19): Waived - 2<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625767 | XXX | XXX |  | 13349197 | 2811 |  | XXX | Purchase | Primary | 12/XX/2018 | GA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Loan Package Documentation | Application / Processing | Credit | waived | 8/XX/2019 | 3 | Missing Document: AUS not provided |  | The FHA Transmittal Document indicated the loan was approved via DU which was not located in the loan file. The AUS in file was dated post close, |  |  | Buyer Comment (2019/XX/19): Waived - uninsured<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625767 | XXX | XXX |  | 13350111 | 767 |  | XXX | Purchase | Primary | 12/XX/2018 | GA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Credit | Credit Eligibility | Credit | waived | 8/XX/2019 | 1 | Public Record Issue: | Credit Report: Original // Public Record Type: Collections / Balance: XXX, Credit Report: Original // Public Record Type: Collections / Balance: XXX, Credit Report: Original // Public Record Type: Collections / Balance: XXX | The post close AUS required evidence to omit collection accounts which was not located in the loan file. |  |  | Buyer Comment (2019/XX/19): Waived - 1<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625767 | XXX | XXX |  | 13350147 | 22725 |  | XXX | Purchase | Primary | 12/XX/2018 | GA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Loan Package Documentation | Government Documentation | Credit | waived | 8/XX/2019 | 3 | FHA - Amendatory Clause is not compliant. | Disclosure: FHA - Amendatory Clause (Government Documents) | Amendatory Clause not signed by seller. |  |  | Buyer Comment (2019/XX/19): Waived - uninsured<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625767 | XXX | XXX |  | 13350177 | 22727 |  | XXX | Purchase | Primary | 12/XX/2018 | GA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Loan Package Documentation | Government Documentation | Credit | waived | 8/XX/2019 | 3 | FHA - Real Estate Certification is not compliant. | Disclosure: FHA - Real Estate Certification (Government Documents) | Real Estate Certification not signed by seller or realtor. |  |  | Buyer Comment (2019/XX/19): Waived - uninsured<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625767 | XXX | XXX |  | 13350266 | 5290 |  | XXX | Purchase | Primary | 12/XX/2018 | GA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 8/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Defect reason provided on tape of "ZFHA was invalid and the borrower did not qualify for a manually underwritten loan," has not been confirmed. The FHA Transmittal indicated the loan was approved by DU, not manually underwritten. The loan file is missing the AUS/Approvals. Though the post close AUS provided a Eligible/Refer, the defect does not provide evidence why the loan was ineligible for manual underwrite. |  |  | Buyer Comment (2019/XX/19): Acknowledged<br>Reviewer Comment (2019/XX/20): The Client has acknowledged this exception and is electing to waive it without compensating factors. |
| 285625767 | XXX | XXX |  | 13350286 | 6516 |  | XXX | Purchase | Primary | 12/XX/2018 | GA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 8/XX/2019 | 3 | AUS/Guideline Findings: All conditions were not met |  | The loan file was missing the DU as noted on the FHA Transmittal and evidence of the earnest money needed to meet reserve requirements. |  |  | Buyer Comment (2019/XX/19): Waived - uninsured<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625767 | XXX | XXX |  | 13350478 | 3721 |  | XXX | Purchase | Primary | 12/XX/2018 | GA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/12/XX/2018) |  |  |  | Buyer Comment (2019/XX/19): Waived - 2<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625767 | XXX | XXX |  | 13350480 | 3680 |  | XXX | Purchase | Primary | 12/XX/2018 | GA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 3 | Unknown Loan Designation | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. |  |  |  | Buyer Comment (2019/XX/19): Waived - accept dil desig<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625767 | XXX | XXX |  | 13350558 | 1198 |  | XXX | Purchase | Primary | 12/XX/2018 | GA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 3 | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | Loan not eligible due to missing documents. |  |  | Buyer Comment (2019/XX/19): Waived - uninsured<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625767 | XXX | XXX |  | 13350560 | 1257 |  | XXX | Purchase | Primary | 12/XX/2018 | GA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is no longer agency eligible – please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/19): Waived - priced as atr fail<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625767 | XXX | XXX |  | 13356760 | 5310 |  | XXX | Purchase | Primary | 12/XX/2018 | GA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 3 | (Missing Data) Decision System Rating Not Provided | AUS Decision System Rating was not provided. Any applicable Federal, State or Local compliance testing is unreliable. | Missing AUS. AUS in file is post close. |  |  | Buyer Comment (2019/XX/19): Waived - priced as atr fail<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625767 | XXX | XXX |  | 13356762 | 25030 |  | XXX | Purchase | Primary | 12/XX/2018 | GA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible – please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/19): Waived - priced as atr fail<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625767 | XXX | XXX |  | 13357213 | 4237 |  | XXX | Purchase | Primary | 12/XX/2018 | GA | $XXX | Loan Review Complete | 8/XX/2019 3:45:46 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 8/XX/2019 | 3 | AUS Findings: PITIA months reserves discrepancy. | Calculated PITIA months reserves of 0.15 is less than AUS PITIA months reserves of 1.00. | Due to missing evidence of $XXX EMD funds. |  |  | Buyer Comment (2019/XX/19): Waived - priced as atr fail<br>Reviewer Comment (2019/XX/20): The Client has elected to waive this exception without compensating factors. |
| 285625768 | XXX | XXX |  | 13476597 | 6239 |  | XXX | Purchase | Primary | 10/XX/2018 | TX | $XXX | Loan Review Complete | 8/XX/2019 2:27:24 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 8/XX/2019 | 3 | Payment Shock exceeds credit guidelines. | Payment Shock: 171.00728% | Loan is no longer agency eligible – please advise which guidelines are applicable |  |  | Buyer Comment (2019/XX/26): Waived - S&D, also priced as Non ATR / Non QM.<br>Reviewer Comment (2019/XX/27): The Client has elected to waive this exception without compensating factors. |
| 285625768 | XXX | XXX |  | 13476700 | 5290 |  | XXX | Purchase | Primary | 10/XX/2018 | TX | $XXX | Loan Review Complete | 8/XX/2019 2:27:24 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 8/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Due Diligence results do not confirm loan defect provided. - Borrower misrepresentation on employment. \*\*\*Misrepresentation not found in file. WVOE verified stated employer, position and income. Prior employment verified by last two years tax returns and Notary Search showing borrower was an active notary. |  |  | Buyer Comment (2019/XX/26): Waived - AMC DD EV 2.<br>Reviewer Comment (2019/XX/27): The Client has elected to waive this exception without compensating factors. |
| 285625768 | XXX | XXX |  | 13476813 | 25030 |  | XXX | Purchase | Primary | 10/XX/2018 | TX | $XXX | Loan Review Complete | 8/XX/2019 2:27:24 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/26): Waived - S&D, also priced as Non ATR / Non QM.<br>Reviewer Comment (2019/XX/27): The Client has elected to waive this exception without compensating factors. |
| 285625768 | XXX | XXX |  | 13476814 | 3867 |  | XXX | Purchase | Primary | 10/XX/2018 | TX | $XXX | Loan Review Complete | 8/XX/2019 2:27:24 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | The Lender's Compliance Report/High Cost Analysis reflects the loan was presumed to be a Qualified Mortgage, Agency Eligible and High-Priced at origination. Compliance was run using the Loan Designation of Temporay HPQM (GSE/Agency Eligible). |  |  | Buyer Comment (2019/XX/26): Waived - S&D, also priced as Non ATR / Non QM.<br>Reviewer Comment (2019/XX/27): The Client has elected to waive this exception without compensating factors. |
| 285625768 | XXX | XXX |  | 13476815 | 1257 |  | XXX | Purchase | Primary | 10/XX/2018 | TX | $XXX | Loan Review Complete | 8/XX/2019 2:27:24 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is no longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/26): Waived - Defect related to S&D Reason, also priced as Non ATR / Non QM.<br>Reviewer Comment (2019/XX/27): The Client has elected to waive this exception without compensating factors. |
| 285625768 | XXX | XXX |  | 13476879 | 26255 |  | XXX | Purchase | Primary | 10/XX/2018 | TX | $XXX | Loan Review Complete | 8/XX/2019 2:27:24 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2019 | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 5,076.24 on Final Closing Disclosure provided on 10/XX/2018 not accurate. (Final/10/XX/2018) | Monthly Property Tax amounts used on the AUS and the Final CD do not match. The AUS used $XXX and the Final CD used $XXX. $XXX was used for testing ability to repay. The property is a new construction and the property needs to be reassessed. |  | 10/XX/2019 | Buyer Comment (2019/XX/26): Waived - Non material, no assignee liability. Also priced as Non ATR / Non QM.<br>Reviewer Comment (2019/XX/27): The Client has elected to waive this exception without compensating factors. |
| 285625768 | XXX | XXX |  | 13476880 | 26264 |  | XXX | Purchase | Primary | 10/XX/2018 | TX | $XXX | Loan Review Complete | 8/XX/2019 2:27:24 PM | Compliance | Federal Compliance | Compliance | cleared | 8/XX/2019 | 1 | TRID Final Closing Disclosure Estimated Escrow Payment Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/936913) | Monthly Property Tax amounts used on the AUS and the Final CD do not match. The AUS used $XXX and the Final CD used $XXX. $XXX was used for testing ability to repay. The property is a new construction and the property needs to be reassessed. |  | 10/XX/2019 | Seller Comment (2019/XX/27): Per seller:<br> When the loan was underwritten & closed, property taxes were being calculated & charged by the taxing authorities at an "Unimproved" value rate since this is New Construction. <br>In order to "Qualify" the borrower, we used an Improved Rate of 3.6712575. <br>This is calculated by taking the Appraised Value of $XXX x 80% for the homestead exemption = $XXX x 3.6712575 = $XXX annual property taxes or $XXX per month. <br>When the loan closes, the current property taxes "Unimproved tax rate" are shown on the Final CD" & not estimated Improved Taxes. As a reminder improved taxes haven't been determined by the taxing authorities until after closing & COE is issued.<br>After the Taxing Authorities have accessed the property & put tax value on the subject property, the borrower's property taxes will change along with his monthly payment, however he has been qualified with Improved Taxes. <br>This is Standard procedure on ALL new construction homes. <br>I've uploaded a copy of the property tax calculations for reference to review.<br>Reviewer Comment (2019/XX/28): SitusAMC received required documents, exception is cleared. |
| 285625768 | XXX | XXX |  | 13476881 | 26264 |  | XXX | Purchase | Primary | 10/XX/2018 | TX | $XXX | Loan Review Complete | 8/XX/2019 2:27:24 PM | Compliance | Federal Compliance | Compliance | cleared | 8/XX/2019 | 1 | TRID Final Closing Disclosure Estimated Escrow Payment Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2018 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/936914) | Monthly Property Tax amounts used on the AUS and the Final CD do not match. The AUS used $XXX and the Final CD used $XXX. $XXX was used for testing ability to repay. The property is a new construction and the property needs to be reassessed. |  | 10/XX/2019 | Buyer Comment (2019/XX/27): Refer to comments and remedy doc for same related exception.<br>Reviewer Comment (2019/XX/28): SitusAMC received required documents, exception is cleared. |
| 285625768 | XXX | XXX |  | 13476882 | 26265 |  | XXX | Purchase | Primary | 10/XX/2018 | TX | $XXX | Loan Review Complete | 8/XX/2019 2:27:24 PM | Compliance | Federal Compliance | Compliance | cleared | 8/XX/2019 | 1 | TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate Initial Payment Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual toatal payment for the loan. (ProjSeq:1/936913) | Monthly Property Tax amounts used on the AUS and the Final CD do not match. The AUS used $XXX and the Final CD used $XXX. $XXX was used for testing ability to repay. The property is a new construction and the property needs to be reassessed. |  | 10/XX/2019 | Buyer Comment (2019/XX/27): Refer to comments and remedy doc for same related exception.<br>Reviewer Comment (2019/XX/28): SitusAMC received required documents, exception is cleared. |
| 285625768 | XXX | XXX |  | 13476883 | 4822 |  | XXX | Purchase | Primary | 10/XX/2018 | TX | $XXX | Loan Review Complete | 8/XX/2019 2:27:24 PM | Compliance | Federal Compliance | Compliance | cleared | 8/XX/2019 | 1 | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/10/XX/2018) | Monthly Property Tax amounts used on the AUS and the Final CD do not match. The AUS used $XXX and the Final CD used $XXX. $XXX was used for testing ability to repay. The property is a new construction and the property needs to be reassessed. |  | 10/XX/2019 | Buyer Comment (2019/XX/27): Refer to comments and remedy doc for same related exception.<br>Reviewer Comment (2019/XX/28): SitusAMC received required documents, exception is cleared. |
| 285625768 | XXX | XXX |  | 13476884 | 4826 |  | XXX | Purchase | Primary | 10/XX/2018 | TX | $XXX | Loan Review Complete | 8/XX/2019 2:27:24 PM | Compliance | Federal Compliance | Compliance | cured | 8/XX/2019 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/XX/2018) | Sufficient cure of $XXX was reflected. |  | 10/XX/2019 |  |
| 285625768 | XXX | XXX |  | 13477911 | 6583 |  | XXX | Purchase | Primary | 10/XX/2018 | TX | $XXX | Loan Review Complete | 8/XX/2019 2:27:24 PM | Compliance | Federal Compliance | Compliance | cured | 8/XX/2019 | 1 | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient cure of $XXX was provided to the borrower at Closing. |  | 10/XX/2019 |  |
| 285625769 | XXX | XXX |  | 13869226 | 25030 |  | XXX | Refinance Cash-out - Other | Primary | 6/XX/2018 | IA | $XXX | Loan Review Complete | 9/XX/2019 9:52:18 AM | Compliance | Federal Compliance | Compliance | waived | 9/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible – please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/16): Waived - Issue is related to the known defect.<br>Reviewer Comment (2019/XX/19): Client elects to waive. |
| 285625769 | XXX | XXX |  | 13869227 | 3867 |  | XXX | Refinance Cash-out - Other | Primary | 6/XX/2018 | IA | $XXX | Loan Review Complete | 9/XX/2019 9:52:18 AM | Compliance | Federal Compliance | Compliance | waived | 9/XX/2019 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Temporary SHQM reflected on QM Findings. |  |  | Buyer Comment (2019/XX/16): Acknowledged<br>Reviewer Comment (2019/XX/19): Client acknowledges exception. |
| 285625769 | XXX | XXX |  | 13869228 | 1257 |  | XXX | Refinance Cash-out - Other | Primary | 6/XX/2018 | IA | $XXX | Loan Review Complete | 9/XX/2019 9:52:18 AM | Compliance | Federal Compliance | Compliance | waived | 9/XX/2019 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is no longer agency eligible – please advise which guidelines are applicable. File was missing (list the missing docs). |  |  | Buyer Comment (2019/XX/16): Waived - Issue is related to the known defect.<br>Reviewer Comment (2019/XX/19): Client elects to waive. |
| 285625769 | XXX | XXX |  | 13869229 | 1262 |  | XXX | Refinance Cash-out - Other | Primary | 6/XX/2018 | IA | $XXX | Loan Review Complete | 9/XX/2019 9:52:18 AM | Compliance | Federal Compliance | Compliance | cleared | 9/XX/2019 | 1 | QM Points and Fees | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.66869% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $XXX (2018). Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2018) (an overage of $XXX or 4.66869%). | Points and Fees on subject loan of 4.66869% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $XXX (2018). |  |  | Seller Comment (2019/XX/18): see attached<br>Reviewer Comment (2019/XX/19): Lender provided proof o undiscounted rate. |
| 285625769 | XXX | XXX |  | 13869231 | 4850 |  | XXX | Refinance Cash-out - Other | Primary | 6/XX/2018 | IA | $XXX | Loan Review Complete | 9/XX/2019 9:52:18 AM | Compliance | Federal Compliance | Compliance | cured | 9/XX/2019 | 1 | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2018) | Final Closing Disclosure provided on 05/XX/2018 did not disclosed an amount by which the Total Closing Costs exceeded the legal limit. |  | 6/XX/2019 |  |
| 285625769 | XXX | XXX |  | 13869239 | 4922 |  | XXX | Refinance Cash-out - Other | Primary | 6/XX/2018 | IA | $XXX | Loan Review Complete | 9/XX/2019 9:52:18 AM | Loan Package Documentation | Application / Processing | Credit | waived | 9/XX/2019 | 3 | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX |  |  |  | Buyer Comment (2019/XX/16): Waived - Disaster happened 10 years before the loan closed.<br>Reviewer Comment (2019/XX/19): Client elects to waive. |
| 285625769 | XXX | XXX |  | 13872189 | 1038 |  | XXX | Refinance Cash-out - Other | Primary | 6/XX/2018 | IA | $XXX | Loan Review Complete | 9/XX/2019 9:52:18 AM | Compliance | Federal Compliance | Compliance | waived | 9/XX/2019 | 3 | Social Security Documentation | Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. (XXX Social Security Administration/Social Security) | File is missing a copy of the "Award Letter / Continuance Letter" for the borrower. |  |  | Seller Comment (2019/XX/18): see attached<br>Reviewer Comment (2019/XX/19): Appendix q requires award letter. Exception remains.<br>Seller Comment (2019/XX/24): see attached response.<br>Buyer Comment (2019/XX/24): Waived - Doesn't impact our ability to purchase this loan.<br>Reviewer Comment (2019/XX/30): Client acknowledges the condition |
| 285625769 | XXX | XXX |  | 13872281 | 5290 |  | XXX | Refinance Cash-out - Other | Primary | 6/XX/2018 | IA | $XXX | Loan Review Complete | 9/XX/2019 9:52:18 AM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 9/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Due Diligence results do not confirm loan defect provided - There is no evidence in the file to support that the client opened a XXX car loan in May 2018 prior to closing on 6/XX/18. |  |  | Buyer Comment (2019/XX/16): Acknowledged<br>Reviewer Comment (2019/XX/19): Client acknowledges exception. |
| 285625770 | XXX | XXX |  | 14003918 | 23086 |  | XXX | Purchase | Investment | 6/XX/2019 | NY | $XXX | Loan Review Complete | 10/XX/2019 3:55:40 PM | Asset | Asset Calculation / Analysis | Credit | waived | 10/XX/2019 | 3 | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. |  |  |  | Buyer Comment (2019/XX/01): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br>Reviewer Comment (2019/XX/02): Client elected to waive the condition |
| 285625770 | XXX | XXX |  | 14004230 | 6308 |  | XXX | Purchase | Investment | 6/XX/2019 | NY | $XXX | Loan Review Complete | 10/XX/2019 3:55:40 PM | Compliance | Federal Compliance | Compliance | waived | 10/XX/2019 | 2 | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.15478% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2019). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2019) (an overage of $XXX or .15478%). | FNMA Points and Fees on subject loan of 5.15478% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2019). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2019) (an overage of $XXX or .15478%). |  |  | Buyer Comment (2019/XX/01): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br>Reviewer Comment (2019/XX/02): Client elected to waive the condition |
| 285625770 | XXX | XXX |  | 14004715 | 5290 |  | XXX | Purchase | Investment | 6/XX/2019 | NY | $XXX | Loan Review Complete | 10/XX/2019 3:55:40 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 10/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Defect reason provided on tape has not been confirmed - Calculated PITIA months reserves of 1.46 is less than Guideline PITIA months reserves of 3.00. Also, appears to be O/O property when loan closed as N/O/O. \*\*\*Occupancy statement certificate in the loan file dated 6/XX/2019, shows the property is investment and found no evidence that property is Owner occupied. |  |  | Buyer Comment (2019/XX/01): Acknowledged<br>Reviewer Comment (2019/XX/02): Client acknowledged the condition |
| 285625771 | XXX | XXX |  | 13927757 | 2863 |  | XXX | Purchase | Primary | 2/XX/2019 | WA | $XXX | Loan Review Complete | 8/XX/2019 5:55:56 PM | Loan Package Documentation | Application / Processing | Credit | cleared | 8/XX/2019 | 1 | Missing Document: Pay History not provided |  | The loan file was missing the pay history. |  |  | Reviewer Comment (2019/XX/23): Pay History was provided on 08/XX/2019. |
| 285625771 | XXX | XXX |  | 13927760 | 6516 |  | XXX | Purchase | Primary | 2/XX/2019 | WA | $XXX | Loan Review Complete | 8/XX/2019 5:55:56 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | cleared | 8/XX/2019 | 1 | AUS/Guideline Findings: All conditions were not met |  | The final 1003 indicated the borrower was a first time home buyer and item 29 of the AUS identified the subject loan as such. Additionally, the AUS required two years of employment/Income verification. The loan file indicated the borrower purchased a rental property in 10/2018 and the loan file was missing verification of the borrower's prior employment to satisfy the two year requirement. |  |  | Buyer Comment (2019/XX/21): The Declarations Section on the 1003 was incorrectly completed. The borrower should have marked that she has had ownership in an investment property in the past 3 years. The DU Findings are accurate in stating that the borrower is a first-time homebuyer. A first time home buyer is considered an occupying borrower who has not owned a primary residence in the past 3 years. Please downgrade to an EV2.<br>Also, the AUS calls for 1 year of employment verification, not 2.<br>Reviewer Comment (2019/XX/23): Additional information provided regarding the declaration regarding prior ownership - have made separate exception for this as final 1003 is not correct. Employment documentation was a VOE and it meets the AUS requirements. |
| 285625771 | XXX | XXX |  | 13927761 | 23093 |  | XXX | Purchase | Primary | 2/XX/2019 | WA | $XXX | Loan Review Complete | 8/XX/2019 5:55:56 PM | Loan Package Documentation | Government Documentation | Credit | cleared | 8/XX/2019 | 1 | Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid. |  | Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. |  |  | Buyer Comment (2019/XX/21): MI is active, please capture MI info.<br>Reviewer Comment (2019/XX/23): Client has indicated loan is insured. |
| 285625771 | XXX | XXX |  | 13927762 | 5404 |  | XXX | Purchase | Primary | 2/XX/2019 | WA | $XXX | Loan Review Complete | 8/XX/2019 5:55:56 PM | Income / Employment | Income Documentation | Credit | cleared | 8/XX/2019 | 1 | Income Docs Missing: | Borrower: XXX VVOE - Employment Only | Missing VVOE for previous employers to satisfy 2 years of employment/Income verification. |  |  | Buyer Comment (2019/XX/21): AUS only asks for 1 year.<br>Reviewer Comment (2019/XX/23): Loan now AUS compliant due to additional info provided and employment is verified to meet AUS requirements. |
| 285625771 | XXX | XXX |  | 13927764 | 24188 |  | XXX | Purchase | Primary | 2/XX/2019 | WA | $XXX | Loan Review Complete | 8/XX/2019 5:55:56 PM | Compliance | Federal Compliance | Compliance | cured | 8/XX/2019 | 2 | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXX on Final Closing Disclosure provided on 02/XX/2019 not accurate. (Final/02/XX/2019) | Tax cert in file verifies 2019 annual taxes in the amount of $XXX.The Final Closing Disclosure provided on 02/XX/2019 based the Non-Escrowed Property Costs from the 2018 property taxes in the amount of $XXX. |  | 2/XX/2020 | Reviewer Comment (2019/XX/22): Letter of Explanation & Corrected Closing Disclosure provided |
| 285625771 | XXX | XXX |  | 13927765 | 6582 |  | XXX | Purchase | Primary | 2/XX/2019 | WA | $XXX | Loan Review Complete | 8/XX/2019 5:55:56 PM | Compliance | Federal Compliance | Compliance | cured | 8/XX/2019 | 1 | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Sufficient cure of $XXX was provided to the borrower at Closing. |  | 2/XX/2020 |  |
| 285625771 | XXX | XXX |  | 13927766 | 3867 |  | XXX | Purchase | Primary | 2/XX/2019 | WA | $XXX | Loan Review Complete | 8/XX/2019 5:55:56 PM | Compliance | Federal Compliance | Compliance | cleared | 8/XX/2019 | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Fails Temporary (GSE) QM Testing. | Due Diligence Loan Designation of Fails Temporary (GSE) QM Testing due to missing income verification documentation. |  |  | Reviewer Comment (2019/XX/23): Due to receipt of additional information loan designations now match. |
| 285625771 | XXX | XXX |  | 13927767 | 4566 |  | XXX | Purchase | Primary | 2/XX/2019 | WA | $XXX | Loan Review Complete | 8/XX/2019 5:55:56 PM | Compliance | Federal Compliance | Compliance | cured | 8/XX/2019 | 2 | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 02/XX/2019 incorrectly disclosed whether the loan will have an escrow account. (Final/02/XX/2019) | Page three of the Final CD indicated the loan would have an escrow account; however, pages 1 and 2 did not indicated escrows to be a part of the monthly payment. |  | 2/XX/2020 | Reviewer Comment (2019/XX/22): Letter of Explanation & Corrected Closing Disclosure required to cure. PC-CD received issued 08/XX/2019. Page 1 indicates Taxes, Insurance and HOA are not escrowed. However, page 4 the box is checked for "Will have an escrow account"<br>Reviewer Comment (2019/XX/29): Received corrected CD and letter of explanation to the borrower. Condition cured. |
| 285625771 | XXX | XXX |  | 13927768 | 4407 |  | XXX | Purchase | Primary | 2/XX/2019 | WA | $XXX | Loan Review Complete | 8/XX/2019 5:55:56 PM | Compliance | Federal Compliance | Compliance | cured | 8/XX/2019 | 2 | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 02/XX/2019 incorrectly disclosed whether the loan will have an escrow account. (Final/02/XX/2019) | Page three of the Final CD indicated the loan would have an escrow account; however, pages 1 and 2 did not indicated escrows to be a part of the monthly payment. |  | 2/XX/2020 | Reviewer Comment (2019/XX/22): Letter of Explanation & Corrected Closing Disclosure required to cure. PC-CD received issued 08/XX/2019. Page 1 indicates Taxes, Insurance and HOA are not escrowed. However, page 4 the box is checked for "Will have an escrow account"<br>Reviewer Comment (2019/XX/29): Received corrected CD and letter of explanation to the borrower. Condition cured. |
| 285625771 | XXX | XXX |  | 13927770 | 23098 |  | XXX | Purchase | Primary | 2/XX/2019 | WA | $XXX | Loan Review Complete | 8/XX/2019 5:55:56 PM | Insurance | Insurance Eligibility | Credit | cleared | 8/XX/2019 | 1 | Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured. |  |  |  |  | Buyer Comment (2019/XX/21): Loan is insured.<br>Reviewer Comment (2019/XX/23): Loan is insured per the client. |
| 285625771 | XXX | XXX |  | 13927771 | 2878 |  | XXX | Purchase | Primary | 2/XX/2019 | WA | $XXX | Loan Review Complete | 8/XX/2019 5:55:56 PM | Loan Package Documentation | Application / Processing | Credit | open |  | 3 | Missing Document: Servicing Comments not provided |  |  |  |  | Reviewer Comment (2019/XX/23): No servicing comments provided - condition remains outstanding. |
| 285625771 | XXX | XXX |  | 13927772 | 579 |  | XXX | Purchase | Primary | 2/XX/2019 | WA | $XXX | Loan Review Complete | 8/XX/2019 1:30:08 PM | Loan Package Documentation | Application / Processing | Credit | open |  | 3 | 1003 Error: First Time Home Buyer is blank. |  | The final application indicated the borrower had not had ownership in a property in the last three years which was incorrect as borrower had ownership in an investment property. |  |  |  |
| 285625772 | XXX | XXX |  | 13927787 | 2863 |  | XXX | Purchase | Primary | 12/XX/2018 | MO | $XXX | Loan Review Complete | 3/XX/2019 2:33:23 PM | Loan Package Documentation | Application / Processing | Credit | cleared | 4/XX/2019 | 1 | Missing Document: Pay History not provided |  | Pay history missing from 02/XX/2019 to 03/XX/2019. |  |  | Reviewer Comment (2019/XX/18): Pay history was provided on 04/XX/2019. |
| 285625772 | XXX | XXX |  | 13927792 | 23093 |  | XXX | Purchase | Primary | 12/XX/2018 | MO | $XXX | Loan Review Complete | 3/XX/2019 2:33:23 PM | Loan Package Documentation | Government Documentation | Credit | cleared | 4/XX/2019 | 1 | Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid. |  | Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. |  |  | Buyer Comment (2019/XX/17): Loan is insured, please capture info.<br>Reviewer Comment (2019/XX/18): Loan is insured - evidence of MI in force provided. |
| 285625772 | XXX | XXX |  | 13927796 | 23098 |  | XXX | Purchase | Primary | 12/XX/2018 | MO | $XXX | Loan Review Complete | 3/XX/2019 2:33:23 PM | Insurance | Insurance Eligibility | Credit | cleared | 4/XX/2019 | 1 | Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured. |  |  |  |  | Buyer Comment (2019/XX/17): Loan is insured.<br>Reviewer Comment (2019/XX/18): Loan is insured - evidence of active MI provided. |
| 285625772 | XXX | XXX |  | 13927806 | 4712 |  | XXX | Purchase | Primary | 12/XX/2018 | MO | $XXX | Loan Review Complete | 3/XX/2019 2:33:23 PM | Compliance | Federal Compliance | Compliance | cured | 5/XX/2019 | 2 | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 12/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (Final/12/XX/2018) | The escrow payment of $XXX disclosed on page 4 matches the total escrow payment of $XXX disclosed on page 2 when the seller paid portion of $XXX is accounted for. |  | 12/XX/2019 | Reviewer Comment (2019/XX/02): Final CD page 2 Section G shows $XXX Initial Escrow Deposit. Page 4 shows $XXX (due to seller paid portion). 12 CFR 1026.38(l)(7)(3) states "The total amount disclosed pursuant to paragraph (g)(3) of this section, a statement that the payment is a cushion for the escrow account, labeled "Initial Escrow Payment," and a reference to the information disclosed pursuant to paragraph (g)(3) of this section.". Since (g)(3) is stating to only total those amounts designated as "borrower paid", the seller's paid portion would not be included in the total, and that same borrower-paid amount is to be disclosed in both sections of the CD. Corrected CD and LOE to borrower required to cure.<br>Reviewer Comment (2019/XX/18): AMC received a response that indicated the Monthly Escrow Payment disclosed on page 4 of the CD is correct. Exception is for Initial Escrow Payment field on page 4, not Monthly Escrow Payment.<br>Reviewer Comment (2019/XX/20): AMC received PCCD dated 5/XX/19. Need LOE to cure.<br>Reviewer Comment (2019/XX/29): AMC received corrected CD and LOE. |
| 285625772 | XXX | XXX |  | 13927815 | 2878 |  | XXX | Purchase | Primary | 12/XX/2018 | MO | $XXX | Loan Review Complete | 3/XX/2019 2:33:23 PM | Loan Package Documentation | Application / Processing | Credit | open |  | 3 | Missing Document: Servicing Comments not provided |  |  |  |  |  |
| 285625772 | XXX | XXX |  | 13927819 | 25405 |  | XXX | Purchase | Primary | 12/XX/2018 | MO | $XXX | Loan Review Complete | 4/XX/2019 12:32:28 PM | Guideline | Guideline Issue | Credit | cleared | 6/XX/2019 | 1 | The Borrower has mortgage late payment(s) within the prior 12 months. |  | Borrower has 1x30 days delinquent for 02/2019 which was brought current the month afterwards. |  |  | Buyer Comment (2019/XX/31): Per loan servicing, they received the 1st payment due on 02/XX/2019 for loan XXX on 02/2019 and payment due on 03/XX/2019 was received on 03/XX/2019. <br>Attached is the payment history from the origination system for verification. When the loan was moved to the servicing system the funds were reversed from the origination system and applied back to the loan in the servicing system on 03/XX/2019 and 03/XX/2019 respectively. Please note that the loan number also changed in the servicing system as it is only 10 digits: XXX. No payments were received after 30 days. I also attached a copy of the servicing system payment history.<br>Reviewer Comment (2019/XX/03): Pay history provided from 02/XX/2019-03/XX/2019 shows due date of 03/XX/2019 as of 02/XX/2019; exception cleared. |
| 285625773 | XXX | XXX |  | 14050130 | 3867 |  | XXX | Refinance Cash-out - Other | Primary | 1/XX/2019 | NJ | $XXX | Loan Review Complete | 10/XX/2019 3:57:39 PM | Compliance | Federal Compliance | Compliance | waived | 10/XX/2019 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of HUD Rebuttable Presumption QM. | Loan is no longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/04): Waived - accept dil desig<br>Reviewer Comment (2019/XX/09): Client elected to waive the condition |
| 285625773 | XXX | XXX |  | 14050132 | 1331 |  | XXX | Refinance Cash-out - Other | Primary | 1/XX/2019 | NJ | $XXX | Loan Review Complete | 10/XX/2019 3:57:39 PM | Compliance | Federal Compliance | Compliance | waived | 10/XX/2019 | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of originator application date of 11/XX/2018. The earliest disclosure in the loan file is dated 12/XX/2018. |  |  | Buyer Comment (2019/XX/04): Waived - 2<br>Reviewer Comment (2019/XX/09): Client elected to waive the condition |
| 285625773 | XXX | XXX |  | 14050339 | 4613 |  | XXX | Refinance Cash-out - Other | Primary | 1/XX/2019 | NJ | $XXX | Loan Review Complete | 10/XX/2019 3:57:39 PM | Compliance | Federal Compliance | Compliance | waived | 10/XX/2019 | 1 | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 did not disclose number of months for homeowner's insurance under Prepaids. (Final/01/XX/2019) | Final Closing Disclosure provided on 01/XX/2019 did not disclose number of months for homeowner's insurance under Prepaids |  | 1/XX/2020 | Buyer Comment (2019/XX/04): Waived - 1<br>Reviewer Comment (2019/XX/07): Client has elected to waive condition. |
| 285625773 | XXX | XXX |  | 14050340 | 5180 |  | XXX | Refinance Cash-out - Other | Primary | 1/XX/2019 | NJ | $XXX | Loan Review Complete | 10/XX/2019 3:57:39 PM | Compliance | Federal Compliance | Compliance | waived | 10/XX/2019 | 1 | TRID Final Closing Disclosure Prepaid Property Tax Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 did not disclose number of months for Property Tax under Prepaids. (Final/01/XX/2019) | Final Closing Disclosure provided on 01/XX/2019 did not disclose number of months for Property Tax under Prepaids. |  | 1/XX/2020 | Buyer Comment (2019/XX/04): Waived - 1<br>Reviewer Comment (2019/XX/07): Client has elected to waive condition. |
| 285625773 | XXX | XXX |  | 14050342 | 4397 |  | XXX | Refinance Cash-out - Other | Primary | 1/XX/2019 | NJ | $XXX | Loan Review Complete | 10/XX/2019 3:57:39 PM | Compliance | Federal Compliance | Compliance | waived | 10/XX/2019 | 1 | TRID Final Closing Disclosure Summaries Of Transactions - Cash From To Borrower | TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 01/XX/2019 disclosed an Amount of Cash to Close that does not match the Final value of Cash to Close in the Calculating Cash to Close table. (Final/01/XX/2019) | The cash to borrower in the Summaries of Transactions table on page 3 of the final CD reflects cash to the borrower of $XXX; however the Calculating Cash to Close table at the top of page 3 indicates cash to the borrower of only $XXX. |  | 1/XX/2020 | Buyer Comment (2019/XX/04): Waived - 1<br>Reviewer Comment (2019/XX/07): Client has elected to waive condition. |
| 285625773 | XXX | XXX |  | 14050344 | 4398 |  | XXX | Refinance Cash-out - Other | Primary | 1/XX/2019 | NJ | $XXX | Loan Review Complete | 10/XX/2019 3:57:39 PM | Compliance | Federal Compliance | Compliance | waived | 10/XX/2019 | 1 | TRID Final Closing Disclosure Summaries Of Transactions - Closing Costs Paid At Closing | TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 01/XX/2019 disclosed a Closing Costs Paid at Closing that does not match the Total Closing Costs (Borrower-Paid) from page 2. (Final/01/XX/2019) | Closing Costs Paid at Closing from the Summaries of Transactions table of $XXX does not match the total borrower paid closing costs on page 2 of the CD of $XXX (total of $XXX less the lender credit of 8,190.10) |  | 1/XX/2020 | Buyer Comment (2019/XX/04): Waived - 1<br>Reviewer Comment (2019/XX/07): Client has elected to waive condition. |
| 285625773 | XXX | XXX |  | 14050347 | 4826 |  | XXX | Refinance Cash-out - Other | Primary | 1/XX/2019 | NJ | $XXX | Loan Review Complete | 10/XX/2019 3:57:39 PM | Compliance | Federal Compliance | Compliance | waived | 10/XX/2019 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/XX/2019) | The final CD did not reflect a tolerance cure of any kind. |  | 1/XX/2020 | Buyer Comment (2019/XX/04): Waived - 1<br>Reviewer Comment (2019/XX/07): Client has elected to waive condition. |
| 285625773 | XXX | XXX |  | 14050353 | 6542 |  | XXX | Refinance Cash-out - Other | Primary | 1/XX/2019 | NJ | $XXX | Loan Review Complete | 10/XX/2019 3:57:39 PM | Compliance | Federal Compliance | Compliance | cured | 12/XX/2019 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7507) | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  | 1/XX/2020 | Seller Comment (2019/XX/05): post close CD with $XXX refunded for both fees<br>Reviewer Comment (2019/XX/06): Received PCCD and LOE. A copy of the refund check is required to cure.<br>Seller Comment (2019/XX/13): copy of check<br>Reviewer Comment (2019/XX/13): SitusAMC received required documents, exception is cured. |
| 285625773 | XXX | XXX |  | 14050354 | 6542 |  | XXX | Refinance Cash-out - Other | Primary | 1/XX/2019 | NJ | $XXX | Loan Review Complete | 10/XX/2019 3:57:39 PM | Compliance | Federal Compliance | Compliance | cured | 12/XX/2019 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580) | Fee disclosed was not disclosed on the initial LE dated 11/XX/2018 but disclosed as $XXX on subsequent LE disclosures and on the Final Closing Disclosure as $XXX. File does not contain a valid COC for this fee, nor evidence of cure. |  | 1/XX/2020 | Seller Comment (2019/XX/05): 235 fee refunded for both issues<br>Reviewer Comment (2019/XX/06): Received PCCD and LOE. A copy of the refund check is required to cure.<br>Seller Comment (2019/XX/13): copy of check<br>Reviewer Comment (2019/XX/13): SitusAMC received required documents, exception is cured. |
| 285625773 | XXX | XXX |  | 14050724 | 22153 |  | XXX | Refinance Cash-out - Other | Primary | 1/XX/2019 | NJ | $XXX | Loan Review Complete | 10/XX/2019 3:57:39 PM | Insurance | Insurance Documentation | Credit | waived | 10/XX/2019 | 3 | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  |  | Buyer Comment (2019/XX/04): Waived - uninsured<br>Reviewer Comment (2019/XX/09): Client elected to waive the condition |
| 285625773 | XXX | XXX |  | 14093377 | 5290 |  | XXX | Refinance Cash-out - Other | Primary | 1/XX/2019 | NJ | $XXX | Loan Review Complete | 10/XX/2019 3:57:39 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 10/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Defect reason provided on tape has not been confirmed - Unwarrantable Condo. The loan file does not include any information pertaining to the warranty for the condo/subject property. |  |  | Buyer Comment (2019/XX/04): Acknowledged<br>Reviewer Comment (2019/XX/09): Client Acknowledges the condition", |
| 285625773 | XXX | XXX |  | 15442639 | 6545 |  | XXX | Refinance Cash-out - Other | Primary | 1/XX/2019 | NJ | $XXX | Loan Review Complete | 12/XX/2019 4:00:50 PM | Compliance | Federal Compliance | Compliance | cured | 12/XX/2019 | 1 | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower. (7507) | SitusAMC received required documents, exception is cured. |  | 1/XX/2020 |  |
| 285625773 | XXX | XXX |  | 15442640 | 6545 |  | XXX | Refinance Cash-out - Other | Primary | 1/XX/2019 | NJ | $XXX | Loan Review Complete | 12/XX/2019 4:00:50 PM | Compliance | Federal Compliance | Compliance | cured | 12/XX/2019 | 1 | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower. (7580) | SitusAMC received required documents, exception is cured. |  | 1/XX/2020 |  |
| 285625774 | XXX | XXX |  | 14238713 | 3867 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 10/XX/2019 3:57:38 PM | Compliance | Federal Compliance | Compliance | waived | 10/XX/2019 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan designation failure due to ATR failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  | Buyer Comment (2019/XX/09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM.<br>Reviewer Comment (2019/XX/09): Client elects to waive. |
| 285625774 | XXX | XXX |  | 14238715 | 4826 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 10/XX/2019 3:57:38 PM | Compliance | Federal Compliance | Compliance | cured | 10/XX/2019 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/XX/2019) | Erroneous Reg ID 2933. The fees in question were seller paid and captured from the seller's CD. It is customary the fees in question be paid by seller's in the state of CA. |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 14238736 | 5289 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 10/XX/2019 3:57:38 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 10/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed - COC - Missing; Loan was created in LOS system incorrectly. The first lien was duplicated in LOS and the 2nd lien loan information was not updated. This caused all loan documents to reflect incorrect information. COC for loan amount change was not sent within 3 days. |  |  | Buyer Comment (2019/XX/09): Waived - S&D REASON CONFIRMED.<br>Reviewer Comment (2019/XX/09): Client elects to waive. |
| 285625774 | XXX | XXX |  | 14238889 | 25030 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 10/XX/2019 3:57:38 PM | Compliance | Federal Compliance | Compliance | waived | 10/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | ATR failure due to excessive DTI. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  | Buyer Comment (2019/XX/09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM.<br>Reviewer Comment (2019/XX/09): Client elects to waive. |
| 285625774 | XXX | XXX |  | 14238891 | 1257 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 10/XX/2019 3:57:38 PM | Compliance | Federal Compliance | Compliance | waived | 10/XX/2019 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | AUS approved above 43% |  |  | Buyer Comment (2019/XX/09): Waived - DTI BID 44%. S&D, ALSO PRICED AS NON ATR / NON QM.<br>Reviewer Comment (2019/XX/09): Client elects to waive. |
| 285625774 | XXX | XXX |  | 14246408 | 6542 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 10/XX/2019 3:57:38 PM | Compliance | Federal Compliance | Compliance | cured | 10/XX/2019 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mcc Issuance Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7543) | Fee disclosed was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee. |  | 3/XX/2020 | Reviewer Comment (2019/XX/08): Cure provided on final CD |
| 285625774 | XXX | XXX |  | 15016048 | 19965 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | cured | 11/XX/2019 | 1 | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Missing initial LE and any re-disclosed LE's to confirm |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016049 | 20000 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | cured | 11/XX/2019 | 1 | TRID Servicing Disclosure Status | File does not evidence the consumer was provided with the Servicing Disclosure. | Missing initial LE and any re-disclosed LE's to confirm |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016050 | 4355 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 03/XX/2019 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/03/XX/2019) | Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction. |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016051 | 26263 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 14,241.60 on Final Closing Disclosure provided on 03/XX/2019 not accurate. (Final/03/XX/2019) | Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction. |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016052 | 26264 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/1069053) | Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction. |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016053 | 26265 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate Initial Payment Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2019 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/1069053) | Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction. |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016054 | 6345 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/03/XX/2019) | Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction. |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016056 | 4392 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Final Closing Disclosure Principal and Interest Change After Closing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed whether the Principal and Interest Payment can change. (Final/03/XX/2019) | Loan is an I/O loan for the term of the loan; the final CD did not disclose the balloon payment for the principal |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016057 | 6346 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed whether property taxes are included in escrow. (Final/03/XX/2019) | Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction. |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016058 | 4401 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | cured | 11/XX/2019 | 1 | TRID Final Closing Disclosure Summaries Of Transactions - Sales Price | TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 03/XX/2019 did not disclose the Sales Price of Property. (Final/03/XX/2019) | The sales price was not disclosed in the Summaries of Transactions on page 3 of the final CD |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016059 | 4566 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed whether the loan will have an escrow account. (Final/03/XX/2019) | Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction. |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016060 | 4407 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed whether the loan will have an escrow account. (Final/03/XX/2019) | Final CD disclosed the borrower will have an escrow account; however an escrow account was not set up for this transaction, only for the simultaneous first mortgage transaction. |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016061 | 4826 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | cured | 11/XX/2019 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/XX/2019) | Missing initial LE and any re-disclosed LE's. 10% tolerance fee violation of $XXX. |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016063 | 4276 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/03/XX/2019) | Missing proof of receipt of the initial CD at least three business days prior to closing |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016064 | 3880 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. | Missing initial LE and any re-disclosed LE's to confirm |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016065 | 6543 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:26:52 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Missing initial LE and any re-disclosed LE's. 10% tolerance fee violation of $XXX. |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016584 | 4607 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:43:51 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Final Closing Disclosure AP Table First Change | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 03/XX/2019 disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (Final/03/XX/2019) | Loan is an I/O loan for the term of the loan; the final CD did not disclose the balloon payment for the principal |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016586 | 4608 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:43:51 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Final Closing Disclosure AP Table First Change Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed the Subsequent Changes period according to the disclosed Loan Product. (Final/03/XX/2019) | Loan is an I/O loan for the term of the loan; the final CD did not disclose the balloon payment for the principal |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016587 | 4696 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:43:51 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Final Closing Disclosure AP Table Interest Only Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 03/XX/2019 did not disclose whether the loan contains Interest Only Payments. (Final/03/XX/2019) | Loan is an I/O loan for the term of the loan; the final CD did not disclose the balloon payment for the principal |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016588 | 4358 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:43:51 PM | Compliance | Federal Compliance | Compliance | open |  | 2 | TRID Final Closing Disclosure Balloon Payment | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed whether the loan contains a Balloon Payment. (Final/03/XX/2019) | Loan is an I/O loan for the term of the loan; the final CD did not disclose the balloon payment for the principal |  | 3/XX/2020 |  |
| 285625774 | XXX | XXX |  | 15016626 | 21673 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:45:26 PM | Compliance | Federal Compliance | Compliance | open |  | 3 | GSE Covered Balloon Test | GSE ATR Covered Loan Eligibility Requirements (Dodd-Frank 2014): Mortgage loan contains an impermissible balloon payment. |  |  |  |  |
| 285625774 | XXX | XXX |  | 15016627 | 1161 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:45:26 PM | Compliance | Federal Compliance | Compliance | open |  | 3 | GSE Covered Deferment of Principal | GSE ATR Covered Loan Eligibility Requirements (Dodd-Frank 2014): Terms of the subject loan provide for deferment of principal as an Interest Only loan. |  |  |  |  |
| 285625774 | XXX | XXX |  | 15016628 | 25040 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:45:26 PM | Compliance | Federal Compliance | Compliance | open |  | 1 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  |
| 285625774 | XXX | XXX |  | 15016629 | 3680 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:45:26 PM | Compliance | Federal Compliance | Compliance | open |  | 3 | Unknown Loan Designation | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. |  |  |  |  |
| 285625774 | XXX | XXX |  | 15016640 | 21674 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:45:36 PM | Compliance | Federal Compliance | Compliance | open |  | 3 | QM Balloon Test | Qualified Mortgage (Dodd-Frank 2014): Terms of the subject loan provide for impermissible balloon payment. | Unable to determine the lenders designation'Loan is an I/O loan for the term of the loan; the final CD did not disclose the balloon payment for the principal |  |  |  |
| 285625774 | XXX | XXX |  | 15016641 | 1256 |  | XXX | Purchase | Primary | 3/XX/2019 | FL | $XXX | Loan Review Complete | 11/XX/2019 1:45:36 PM | Compliance | Federal Compliance | Compliance | open |  | 3 | QM Deferment of Principal | Qualified Mortgage (Dodd-Frank 2014): Terms of the subject loan provide for deferment of principal as an Interest Only loan. | Unable to determine the lenders designation'Loan is an I/O loan for the term of the loan; the final CD did not disclose the balloon payment for the principal |  |  |  |
| 285625775 | XXX | XXX |  | 14606014 | 5289 |  | XXX | Refinance Limited Cash-out GSE | Primary | 10/XX/2018 | IL | $XXX | Loan Review Complete | 10/XX/2019 3:41:54 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 10/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed. - Agency EPD<br> ...<br> The Pay History in file reflects the January 2019 payment was paid over 30 days past the due date. |  |  | Buyer Comment (2019/XX/30): Acknowledged<br>Reviewer Comment (2019/XX/31): Client acknowledges the exception. |
| 285625775 | XXX | XXX |  | 14606627 | 6542 |  | XXX | Refinance Limited Cash-out GSE | Primary | 10/XX/2018 | IL | $XXX | Loan Review Complete | 10/XX/2019 3:41:54 PM | Compliance | Federal Compliance | Compliance | waived | 10/XX/2019 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77163) | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  | 10/XX/2019 | Buyer Comment (2019/XX/30): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br>Reviewer Comment (2019/XX/31): Client waives the exception. |
| 285625775 | XXX | XXX |  | 14606628 | 6542 |  | XXX | Refinance Limited Cash-out GSE | Primary | 10/XX/2018 | IL | $XXX | Loan Review Complete | 10/XX/2019 3:41:54 PM | Compliance | Federal Compliance | Compliance | waived | 10/XX/2019 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7727) | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  | 10/XX/2019 | Buyer Comment (2019/XX/30): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br>Reviewer Comment (2019/XX/31): Client waives the exception. |
| 285625775 | XXX | XXX |  | 14606769 | 4850 |  | XXX | Refinance Limited Cash-out GSE | Primary | 10/XX/2018 | IL | $XXX | Loan Review Complete | 10/XX/2019 3:41:54 PM | Compliance | Federal Compliance | Compliance | cured | 10/XX/2019 | 1 | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/XX/2018) | Cure for various 0% tolerance violations in the amount of $XXX was not provided. Provide a post-close CD disclosing the tolerance cure of $XXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | 10/XX/2019 |  |
| 285625776 | XXX | XXX |  | 14890857 | 5289 |  | XXX | Refinance Cash-out - Other | Primary | 3/XX/2018 | PA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 11/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Due diligence results confirm loan defect provided: Income Amount of child support and alimony received by the client were documented to be less than what was stated in the divorce decree; the income is not stable and cannot be used to qualify. The client was approved for $XXX/ month in alimony and $XXX per each minor child. One child will be 18 within three years of closing so the income was not considered in qualification. We obtained 6 months of bank statements to document receipt of the income. The bank statements do not show consistent receipt of the approved income. Post closing, the client stated she no longer receives the alimony income as she is back working again. The 6 months of bank statements fluctuate and do not show consistent receipt of the approved income. |  |  | Buyer Comment (2019/XX/11): Acknowledged<br>Reviewer Comment (2019/XX/12): Client acknowledges the condition |
| 285625776 | XXX | XXX |  | 14891166 | 767 |  | XXX | Refinance Cash-out - Other | Primary | 3/XX/2018 | PA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Credit | Credit Eligibility | Credit | waived | 11/XX/2019 | 1 | Public Record Issue: | Credit Report: Original // Public Record Type: Collections / Balance: XXX | Unable to determine whether the account is a mortgage, installment or revolving debt. |  |  | Buyer Comment (2019/XX/11): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br>Reviewer Comment (2019/XX/12): Client elected to waive the condition |
| 285625776 | XXX | XXX |  | 14893022 | 981 |  | XXX | Refinance Cash-out - Other | Primary | 3/XX/2018 | PA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | waived | 11/XX/2019 | 3 | Alimony Child Support Maintenance Income | Qualified Mortgage (Dodd-Frank 2014): Alimony/Child Support/Maintenance income verification requirement not met. (XXX Divorce Decree/Child Support) | Only 6 months bank statements were provided instead of Proof of 12 months Receipt. |  |  | Buyer Comment (2019/XX/11): Waived - Issue is related to the known defect.<br>Reviewer Comment (2019/XX/12): Client elected to waive the condition |
| 285625776 | XXX | XXX |  | 14893026 | 25030 |  | XXX | Refinance Cash-out - Other | Primary | 3/XX/2018 | PA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | waived | 11/XX/2019 | 3 | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Loan is no longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/11): Waived - Loan was closed using agency guidelines so no additional documents can be supplied.<br>Reviewer Comment (2019/XX/12): Client elected to waive the condition |
| 285625776 | XXX | XXX |  | 14893028 | 3867 |  | XXX | Refinance Cash-out - Other | Primary | 3/XX/2018 | PA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | waived | 11/XX/2019 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | $XXX in section B fees are paid to an Affiliate of the Originator Loan Designation of Temporary SHQM reflected on QM Findings Report. Lender, causing the Points and Fees on the subject loan of 7.44273% to exceed the allowable maximum of 5.00000% of the Federal Total Loan Amount. |  |  | Buyer Comment (2019/XX/11): Acknowledged<br>Reviewer Comment (2019/XX/12): Client acknowledges the condition |
| 285625776 | XXX | XXX |  | 14893029 | 1257 |  | XXX | Refinance Cash-out - Other | Primary | 3/XX/2018 | PA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | waived | 11/XX/2019 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is no longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2019/XX/11): Waived - Loan was closed using agency guidelines so no additional documents can be supplied.<br>Reviewer Comment (2019/XX/12): Client elected to waive the condition |
| 285625776 | XXX | XXX |  | 14893030 | 1262 |  | XXX | Refinance Cash-out - Other | Primary | 3/XX/2018 | PA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | cleared | 11/XX/2019 | 1 | QM Points and Fees | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.58188% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $XXX (2018). Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2018) (an overage of $XXX or 4.58188%). | $XXX in section B fees are paid to an Affiliate of the Originator Loan Designation of Temporary SHQM reflected on QM Findings Report. Lender, causing the Points and Fees on the subject loan of 7.44273% to exceed the allowable maximum of 5.00000% of the Federal Total Loan Amount. |  |  | Seller Comment (2019/XX/15): see attached<br>Reviewer Comment (2019/XX/20): Review was directed to a rebuttal citing the breakdown of the appraisal fee to 3rd party vendor and affiliate. Review took this into account at the time of review. File requires the final settlement statement which must identify the Title - Lender's Title Insurance identifying the total amount charged and the amount that was passed through to the 3rd party provider. Presently, review testing is holding that to be all affiliate expense as indicated on the final CD. This issue remains open.<br>Seller Comment (2019/XX/20): see attached<br>Reviewer Comment (2019/XX/25): Lender provided a copy of the invoice showing the pass through amount. This issue is cleared. |
| 285625776 | XXX | XXX |  | 14893033 | 4610 |  | XXX | Refinance Cash-out - Other | Primary | 3/XX/2018 | PA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | waived | 11/XX/2019 | 2 | TRID Final Closing Disclosure Borrower Paid Other Costs Total Section F | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2018 disclosed total Prepaids (Section F) that does not match sum of fees. (Final/03/XX/2018) | The sum of the fees in Section F calculates to $XXX, however, the CD incorrectly reflects $XXX as the total. |  | 3/XX/2019 | Buyer Comment (2019/XX/11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br>Reviewer Comment (2019/XX/12): Client elected to waive exception. |
| 285625776 | XXX | XXX |  | 14893034 | 4366 |  | XXX | Refinance Cash-out - Other | Primary | 3/XX/2018 | PA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | waived | 11/XX/2019 | 2 | TRID Final Closing Disclosure Closing Costs Subtotals Borrower Paid - At Closing | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2018 disclosed Total Closing Costs (Paid by Borrower at Closing) that does not match sum of fees. (Final/03/XX/2018) | The sum of the fees in Section F calculates to $XXX, however, the CD incorrectly reflects $XXX as the total, causing a discrepancy in the sum of fees. |  | 3/XX/2019 | Buyer Comment (2019/XX/11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br>Reviewer Comment (2019/XX/12): Client elected to waive exception. |
| 285625776 | XXX | XXX |  | 14893035 | 5152 |  | XXX | Refinance Cash-out - Other | Primary | 3/XX/2018 | PA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | cured | 11/XX/2019 | 1 | TRID Final Closing Disclosure Prepaid Other 1 Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2018 did not disclose number of months for Overdue Taxes under Prepaids. (Final/03/XX/2018) | Final Closing Disclosure provided on 03/XX/2018 did not disclose number of months for Overdue Taxes under Prepaids |  | 3/XX/2019 |  |
| 285625776 | XXX | XXX |  | 14893037 | 4404 |  | XXX | Refinance Cash-out - Other | Primary | 3/XX/2018 | PA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | cured | 11/XX/2019 | 1 | TRID Final Closing Disclosure Total Interest Percentage | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/03/XX/2018) | Final Closing Disclosure provided on 03/XX/2018 disclosed a Total Interest Percentage of 34.274% that does not match the actual total interest percentage of 34.239% for the loan. |  | 3/XX/2019 |  |
| 285625776 | XXX | XXX |  | 14900880 | 4367 |  | XXX | Refinance Cash-out - Other | Primary | 3/XX/2018 | PA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | waived | 11/XX/2019 | 2 | TRID Final Closing Disclosure Closing Costs Subtotals Borrower Paid - Before Closing | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2018 disclosed Total Closing Costs (Paid by Borrower Before Closing) that does not match sum of fees. (Final/03/XX/2018) | Section F total does not match itemized fees. |  | 3/XX/2019 | Buyer Comment (2019/XX/11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br>Reviewer Comment (2019/XX/12): Client elected to waive exception. |
| 285625776 | XXX | XXX |  | 14900881 | 5146 |  | XXX | Refinance Cash-out - Other | Primary | 3/XX/2018 | PA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | waived | 11/XX/2019 | 2 | TRID Final Closing Disclosure Prepaid District Property Tax Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2018 did not disclose number of months for District Property Tax under Prepaids. (Final/03/XX/2018) | Delinquent county taxes missing months. |  | 3/XX/2019 | Buyer Comment (2019/XX/11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br>Reviewer Comment (2019/XX/12): Client elected to waive exception. |
| 285625777 | XXX | XXX |  | 14868701 | 2813 |  | XXX | Purchase | Primary | 3/XX/2018 | IL | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Loan Package Documentation | Application / Processing | Credit | waived | 11/XX/2019 | 3 | Missing Document: Bankruptcy Documents not provided |  | The bankruptcies were noted as discharged/Dismissed but no documents were located in the loan file. |  |  | Buyer Comment (2019/XX/11): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br>Reviewer Comment (2019/XX/12): Client elected to waive the condition |
| 285625777 | XXX | XXX |  | 14869106 | 5290 |  | XXX | Purchase | Primary | 3/XX/2018 | IL | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 11/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Defect reason provided on tape of "Fraud: Fabricated income/employment docs. Relocation letter from employer is fabricated. Client had arranged to voluntarily separate with a severance, relocation was to start a business. Confirmation there was no transfer to a new role and client had left the company voluntarily to move to Illinois according to the client's previous employer," has not been confirmed. Employment was verified using The Work Number and a letter was obtained from the borrower's employer stating the borrower was being transferred to IL to secure a new position. The loan file contained no evidence to support the defect. |  |  | Buyer Comment (2019/XX/11): Acknowledged<br>Reviewer Comment (2019/XX/12): Client acknowledges the condition |
| 285625777 | XXX | XXX |  | 14870999 | 4356 |  | XXX | Purchase | Primary | 3/XX/2018 | IL | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | waived | 11/XX/2019 | 2 | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: APR of 5.01100% on Final Closing Disclosure provided on 03/XX/2018 is under-disclosed from the calculated APR of 5.23080% outside of 0.125% tolerance. (Final/03/XX/2018) | The APR of 5.011 was noted as under disclosed. |  | 3/XX/2019 | Buyer Comment (2019/XX/11): Waived - Issue doesn't impact XXX's ability to purchase this loan as closed more than 1 year ago and is a purchase transaction.<br>Reviewer Comment (2019/XX/12): Client elected to waive exception. |
| 285625777 | XXX | XXX |  | 14871000 | 4826 |  | XXX | Purchase | Primary | 3/XX/2018 | IL | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | cured | 11/XX/2019 | 1 | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/XX/2018) | Erroneous Reg ID 4747. These fees were seller paid, and is customarily paid by Seller in the state of IL. |  | 3/XX/2019 |  |
| 285625777 | XXX | XXX |  | 14871004 | 6542 |  | XXX | Purchase | Primary | 3/XX/2018 | IL | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | waived | 11/XX/2019 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) | Erroneous Reg ID 4747. This Transfer Tax Fee of $XXX was seller paid, and is customarily paid by Seller in the state of IL. |  | 3/XX/2019 | Buyer Comment (2019/XX/11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br>Reviewer Comment (2019/XX/12): Client elected to waive exception. |
| 285625777 | XXX | XXX |  | 14871138 | 4376 |  | XXX | Purchase | Primary | 3/XX/2018 | IL | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | waived | 11/XX/2019 | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/03/XX/2018) | Disclosure reflects Finance Charge of $XXX but the calculated Finance Charge was noted as $XXX for a Variance = -$XXX. |  | 3/XX/2019 | Buyer Comment (2019/XX/11): Waived - Issue doesn't impact XXX's ability to purchase this loan as closed more than 1 year ago and is a purchase transaction.<br>Reviewer Comment (2019/XX/12): Client elected to waive exception. |
| 285625777 | XXX | XXX |  | 14881247 | 2924 |  | XXX | Purchase | Primary | 3/XX/2018 | IL | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Loan Package Documentation | Application / Processing | Credit | waived | 11/XX/2019 | 3 | Missing Document: Fraud Report not provided |  |  |  |  | Buyer Comment (2019/XX/11): Waived - XXX uses DataVerify as one of their primary resources for fraud prevention. The DataVerify/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to DataVerify and everything is paperless.<br>Reviewer Comment (2019/XX/12): Client elected to waive the condition |
| 285625778 | XXX | XXX |  | 14801140 | 5290 |  | XXX | Refinance Cash-out - Other | Primary | 4/XX/2019 | CA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 11/XX/2019 | 2 | Due Diligence results do not confirm loan defect provided |  | Defect reason provided on tape has not been confirmed : Employment We received a recert VOE post close revealing our client was not employed through closing. Employment prior to close was properly verified. The loan file did not provide evidence to support the defect noted. Work Number reflects inactive for XXX, not present employer XXX. |  |  | Buyer Comment (2019/XX/11): Acknowledged<br>Reviewer Comment (2019/XX/12): Client acknowledges the condition |
| 285625778 | XXX | XXX |  | 14801180 | 23923 |  | XXX | Refinance Cash-out - Other | Primary | 4/XX/2019 | CA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Insurance | Insurance Analysis | Credit | waived | 11/XX/2019 | 2 | Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. |  | The hazard policy noted XXX as the mortgagee rather than XXX. |  |  | Buyer Comment (2019/XX/11): Waived - Issue doesn't impact XXX's ability to purchase this loan given ISAOA language.<br>Reviewer Comment (2019/XX/12): Client elected to waive the condition |
| 285625778 | XXX | XXX |  | 14801386 | 4850 |  | XXX | Refinance Cash-out - Other | Primary | 4/XX/2019 | CA | $XXX | Loan Review Complete | 11/XX/2019 9:22:11 PM | Compliance | Federal Compliance | Compliance | cured | 11/XX/2019 | 1 | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/XX/2019) | Cure of $XXX was reflected, which is insufficient to cure $XXX. Provide a post-close CD disclosing the tolerance cure of $XXX, a copy of the refund check for remaining cure of $XXX, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | 4/XX/2020 |  |
| 285625779 | XXX | XXX | XXX | 14953897 | 1058 |  | XXX | Purchase | Primary | 12/XX/2006 | SC | $XXX | Loan Review Complete | 7/XX/2015 3:15:02 AM | Compliance | Federal Compliance | Compliance | open |  | 2 | Federal FACTA Disclosure | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |
| 285625779 | XXX | XXX | XXX | 14953898 | 1271 |  | XXX | Purchase | Primary | 12/XX/2006 | SC | $XXX | Loan Review Complete | 7/XX/2015 3:15:02 AM | Compliance | Federal Compliance | Compliance | open |  | 2 | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |
| 285625779 | XXX | XXX | XXX | 14953899 | 2336 |  | XXX | Purchase | Primary | 12/XX/2006 | SC | $XXX | Loan Review Complete | 7/XX/2015 3:15:02 AM | Compliance | State Compliance | Compliance | open |  | 2 | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | 12/XX/2012 |  |
| 285625779 | XXX | XXX | XXX | 14953900 | 2341 |  | XXX | Purchase | Primary | 12/XX/2006 | SC | $XXX | Loan Review Complete | 7/XX/2015 11:03:54 AM | Compliance | State Compliance | Compliance | open |  | 2 | (Pass Reg) South Carolina CHL Compliance | South Carolina Home Loan: Not Compliant |  |  | 12/XX/2012 |  |
| 285625780 | XXX | XXX |  | 15058699 | 2840 |  | XXX | Refinance Rate/Term | Primary | 6/XX/2017 | GA | $XXX | Loan Review Complete | 11/XX/2019 9:28:32 PM | Loan Package Documentation | Application / Processing | Credit | waived | 11/XX/2019 | 3 | Missing Document: General Services Administration (GSA) not provided |  | Missing General Services Administration (GSA). |  |  | Buyer Comment (2019/XX/25): Waived - uninsured<br>Reviewer Comment (2019/XX/27): Client waives exception. |
| 285625780 | XXX | XXX |  | 15058704 | 2853 |  | XXX | Refinance Rate/Term | Primary | 6/XX/2017 | GA | $XXX | Loan Review Complete | 11/XX/2019 9:28:32 PM | Loan Package Documentation | Application / Processing | Credit | waived | 11/XX/2019 | 3 | Missing Document: Limited Denials of Participation (LDP) not provided |  | Missing Limited Denials of Participation (LDP). |  |  | Buyer Comment (2019/XX/25): Waived - uninsured<br>Reviewer Comment (2019/XX/27): Client waives exception. |
| 285625780 | XXX | XXX |  | 15059293 | 21715 |  | XXX | Refinance Rate/Term | Primary | 6/XX/2017 | GA | $XXX | Loan Review Complete | 11/XX/2019 9:28:32 PM | Guideline | Guideline Issue | Credit | waived | 11/XX/2019 | 3 | Case # Assignment does not indicate "All borrowers passed SSN validation". |  | Case # Warning: Pending Borrower Validation |  |  | Buyer Comment (2019/XX/25): Waived - uninsured<br>Reviewer Comment (2019/XX/27): Client waives exception. |
| 285625780 | XXX | XXX |  | 15059313 | 22153 |  | XXX | Refinance Rate/Term | Primary | 6/XX/2017 | GA | $XXX | Loan Review Complete | 11/XX/2019 9:28:32 PM | Insurance | Insurance Documentation | Credit | waived | 11/XX/2019 | 3 | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  | Mortgage Insurance Certificate and Mortgage Insurance Evidence missing. |  |  | Buyer Comment (2019/XX/25): Waived - uninsured<br>Reviewer Comment (2019/XX/27): Client waives exception. |
| 285625780 | XXX | XXX |  | 15059331 | 23086 |  | XXX | Refinance Rate/Term | Primary | 6/XX/2017 | GA | $XXX | Loan Review Complete | 11/XX/2019 9:28:32 PM | Asset | Asset Calculation / Analysis | Credit | waived | 11/XX/2019 | 3 | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. |  |  |  | Buyer Comment (2019/XX/25): Waived - not a concern - aged loan<br>Reviewer Comment (2019/XX/27): Client waives exception. |
| 285625780 | XXX | XXX |  | 15059402 | 23504 |  | XXX | Refinance Rate/Term | Primary | 6/XX/2017 | GA | $XXX | Loan Review Complete | 11/XX/2019 9:28:32 PM | Loan Package Documentation | Government Documentation | Credit | waived | 11/XX/2019 | 2 | FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date. | Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) | Missing dated and signed form |  |  | Buyer Comment (2019/XX/25): Waived - uninsured<br>Reviewer Comment (2019/XX/27): Client waives exception. |
| 285625780 | XXX | XXX |  | 15059429 | 22723 |  | XXX | Refinance Rate/Term | Primary | 6/XX/2017 | GA | $XXX | Loan Review Complete | 11/XX/2019 9:28:32 PM | Loan Package Documentation | Government Documentation | Credit | waived | 11/XX/2019 | 3 | FHA - Informed Choice Disclosure was not provided within three days of the application date. | Disclosure: FHA - Informed Choice Disclosure (Government Documents) | Missing dated and signed form |  |  | Buyer Comment (2019/XX/25): Waived - uninsured<br>Reviewer Comment (2019/XX/27): Client waives exception. |
| 285625780 | XXX | XXX |  | 15060372 | 3721 |  | XXX | Refinance Rate/Term | Primary | 6/XX/2017 | GA | $XXX | Loan Review Complete | 11/XX/2019 9:28:32 PM | Compliance | Federal Compliance | Compliance | waived | 11/XX/2019 | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/04/XX/2017) | Missing |  |  | Buyer Comment (2019/XX/25): Waived - 2<br>Reviewer Comment (2019/XX/27): Client waives exception. |
| 285625780 | XXX | XXX |  | 15060469 | 5320 |  | XXX | Refinance Rate/Term | Primary | 6/XX/2017 | GA | $XXX | Loan Review Complete | 11/XX/2019 9:28:32 PM | Compliance | Federal Compliance | Compliance | cured | 11/XX/2019 | 1 | TRID Final Closing Disclosure Negative Fees | TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on 06/XX/2017 disclosed a negative fee amount. (Final/06/XX/2017) | Closing Disclosure Negative Fees |  | 6/XX/2018 |  |
| 285625780 | XXX | XXX |  | 15136527 | 5404 |  | XXX | Refinance Rate/Term | Primary | 6/XX/2017 | GA | $XXX | Loan Review Complete | 11/XX/2019 9:28:32 PM | Income / Employment | Income Documentation | Credit | waived | 11/XX/2019 | 3 | Income Docs Missing: | Borrower: XXX VVOE - Employment Only | Missing VOE within 10 days of close. |  |  | Buyer Comment (2019/XX/25): Waived - not a concern - aged loan<br>Reviewer Comment (2019/XX/27): Client waives exception. |
| 285625780 | XXX | XXX |  | 15137406 | 5289 |  | XXX | Refinance Rate/Term | Primary | 6/XX/2017 | GA | $XXX | Loan Review Complete | 11/XX/2019 9:28:32 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 11/XX/2019 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has not been confirmed :Borrower was a wage earner at time of close but has since become self-employed. File originally closed short of seasoning requirements. File currently in loan mod. |  |  | Buyer Comment (2019/XX/25): Acknowledged<br>Reviewer Comment (2019/XX/27): Client acknowledges exception. |
| 285625781 | XXX | XXX |  | 15711843 | 2909 |  | XXX | Purchase | Primary | 5/XX/2019 | CA | $XXX | Loan Review Complete | 1/XX/2020 4:59:35 PM | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Credit | cleared | 1/XX/2020 | 1 | Missing Document: Note - Subordinate Lien not provided |  |  |  |  | Seller Comment (2020/XX/10): community 2nd<br>Reviewer Comment (2020/XX/16): Simultaneous security instrument provided with the terms of the $XXX repayment loan |
| 285625781 | XXX | XXX |  | 15712489 | 22153 |  | XXX | Purchase | Primary | 5/XX/2019 | CA | $XXX | Loan Review Complete | 1/XX/2020 4:59:35 PM | Insurance | Insurance Documentation | Credit | waived | 1/XX/2020 | 3 | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  | File is missing evidence of the Mortgage Insurance Certificate other Mortgage Insurance Evidence. |  |  | Buyer Comment (2020/XX/08): Waived - uninsured<br>Reviewer Comment (2020/XX/09): Client elected to waive the condition |
| 285625781 | XXX | XXX |  | 15712551 | 5289 |  | XXX | Purchase | Primary | 5/XX/2019 | CA | $XXX | Loan Review Complete | 1/XX/2020 4:59:35 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 1/XX/2020 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed - Uninsured FHA loan - appraisal was good for 150 days we funded on day 151.\*\*\* Appraisal was dated more than 150 days prior to Note date. |  |  | Buyer Comment (2020/XX/08): Acknowledged<br>Reviewer Comment (2020/XX/09): Client Acknowledges the condition |
| 285625781 | XXX | XXX |  | 15712698 | 1016 |  | XXX | Purchase | Primary | 5/XX/2019 | CA | $XXX | Loan Review Complete | 1/XX/2020 4:59:35 PM | Compliance | Federal Compliance | Compliance | waived | 1/XX/2020 | 3 | Overtime Bonus Method of Calculation | Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. (XXX XXX/Overtime) | Used previous years OT average due to raise that borrower received on 01/01//2019. Loan is no longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2020/XX/08): Waived - priced as atr fail<br>Reviewer Comment (2020/XX/09): Client elected to waive the condition |
| 285625781 | XXX | XXX |  | 15712700 | 1268 |  | XXX | Purchase | Primary | 5/XX/2019 | CA | $XXX | Loan Review Complete | 1/XX/2020 4:59:35 PM | Compliance | Federal Compliance | Compliance | waived | 1/XX/2020 | 2 | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  | Buyer Comment (2020/XX/08): Waived - 2<br>Reviewer Comment (2020/XX/09): Client elected to waive the condition |
| 285625781 | XXX | XXX |  | 15712703 | 26033 |  | XXX | Purchase | Primary | 5/XX/2019 | CA | $XXX | Loan Review Complete | 1/XX/2020 4:59:35 PM | Compliance | Federal Compliance | Compliance | cleared | 1/XX/2020 | 1 | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/04/XX/2019) |  |  | 5/XX/2020 | Seller Comment (2020/XX/10): Please see attached initial LE from 4/XX/2019 and Econsent disclosure<br>Reviewer Comment (2020/XX/14): SitusAMC received required documents, exception is cleared. |
| 285625781 | XXX | XXX |  | 15712729 | 19966 |  | XXX | Purchase | Primary | 5/XX/2019 | CA | $XXX | Loan Review Complete | 1/XX/2020 4:59:35 PM | Compliance | Federal Compliance | Compliance | cured | 1/XX/2020 | 1 | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Confirmed |  | 5/XX/2020 |  |
| 285625781 | XXX | XXX |  | 15712730 | 1198 |  | XXX | Purchase | Primary | 5/XX/2019 | CA | $XXX | Loan Review Complete | 1/XX/2020 4:59:35 PM | Compliance | Federal Compliance | Compliance | waived | 1/XX/2020 | 3 | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | Uninsured FHA loan - appraisal was good for 150 days and loan funded on day 151. |  |  | Buyer Comment (2020/XX/08): Waived - stated defect<br>Reviewer Comment (2020/XX/09): Client elected to waive the condition |
| 285625781 | XXX | XXX |  | 15712731 | 3867 |  | XXX | Purchase | Primary | 5/XX/2019 | CA | $XXX | Loan Review Complete | 1/XX/2020 4:59:35 PM | Compliance | Federal Compliance | Compliance | waived | 1/XX/2020 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of HUD Safe Harbor QM noted on Mavent report. |  |  | Buyer Comment (2020/XX/08): Waived - accept dil desig<br>Reviewer Comment (2020/XX/09): Client elected to waive the condition |
| 285625781 | XXX | XXX |  | 15712733 | 1257 |  | XXX | Purchase | Primary | 5/XX/2019 | CA | $XXX | Loan Review Complete | 1/XX/2020 4:59:35 PM | Compliance | Federal Compliance | Compliance | waived | 1/XX/2020 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is no longer agency eligible - please advise which guidelines are applicable. |  |  | Buyer Comment (2020/XX/08): Waived - priced as atr fail<br>Reviewer Comment (2020/XX/09): Client elected to waive the condition |
| 285625781 | XXX | XXX |  | 15726898 | 5008 |  | XXX | Purchase | Primary | 5/XX/2019 | CA | $XXX | Loan Review Complete | 1/XX/2020 4:59:35 PM | Insurance | Insurance Eligibility | Credit | waived | 1/XX/2020 | 1 | Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured |  |  |  |  | Buyer Comment (2020/XX/08): Waived - uninsured<br>Reviewer Comment (2020/XX/09): Client elected to waive the condition |
| 285625782 | XXX | XXX |  | 17904463 | 6543 |  | XXX | Purchase | Primary | 8/XX/2019 | NV | $XXX | Loan Review Complete | 7/XX/2020 9:34:43 PM | Compliance | Federal Compliance | Compliance | waived | 7/XX/2020 | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance was exceeded by $XXX due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | 8/XX/2020 | Buyer Comment (2020/XX/14): Waived - S&D PRICED AS NON ATR / NON QM. SELLER NOTIFIED NO ASSIGNEE LIABILITY.<br>Reviewer Comment (2020/XX/14): Client elects to waive |
| 285625783 | XXX | XXX |  | 17949152 | 2922 |  | XXX | Refinance Cash-out - Other | Primary | 5/XX/2020 | WA | $XXX | Loan Review Complete | 7/XX/2020 2:14:24 PM | Property - Appraisal | Appraisal Documentation | Credit | waived | 7/XX/2020 | 3 | Missing Document: Appraisal not provided |  | AUS in file requires a full appraisal. The file is missing a copy of the appraisal. |  |  | Buyer Comment (2020/XX/24): Waived - Issue is related to the known defect.<br>Reviewer Comment (2020/XX/27): Client has elected to waive |
| 285625783 | XXX | XXX |  | 17950689 | 4829 |  | XXX | Refinance Cash-out - Other | Primary | 5/XX/2020 | WA | $XXX | Loan Review Complete | 7/XX/2020 2:14:24 PM | Compliance | Federal Compliance | Compliance | waived | 7/XX/2020 | 2 | TRID Interim Closing Disclosure Timing | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on 05/XX/2020 contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation | CD issued on 05/XX/2020 with change of APR was not provided to the borrower at least 3 days prior to closing. |  | 5/XX/2021 | Buyer Comment (2020/XX/24): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br>Reviewer Comment (2020/XX/24): Client elects to waive exception. |
| 285625783 | XXX | XXX |  | 17950690 | 6542 |  | XXX | Refinance Cash-out - Other | Primary | 5/XX/2020 | WA | $XXX | Loan Review Complete | 7/XX/2020 2:14:24 PM | Compliance | Federal Compliance | Compliance | cleared | 7/XX/2020 | 1 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Fee disclosed was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee. Cure for 0% tolerance violations in the amount of $XXX was not provided. Provide a post-close CD disclosing the tolerance cure of $XXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | 5/XX/2021 | Seller Comment (2020/XX/27): The loan was locked on 5/XX, ICD and COC issued 5/XX – mailbox rule applicable (4 days).<br>Reviewer Comment (2020/XX/27): The seller provided rate lock |
| 285625783 | XXX | XXX |  | 17950716 | 4922 |  | XXX | Refinance Cash-out - Other | Primary | 5/XX/2020 | WA | $XXX | Loan Review Complete | 7/XX/2020 2:14:24 PM | Loan Package Documentation | Application / Processing | Credit | waived | 7/XX/2020 | 3 | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX | The property is located in WA. Provide a post-disaster inspection verifying there was no damage from XXX. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX. |  |  | Buyer Comment (2020/XX/24): Waived - BPO obtained as part of diligence shows no evidence of damage.<br>Reviewer Comment (2020/XX/27): Client has elected to waive |
| 285625783 | XXX | XXX |  | 17950727 | 5289 |  | XXX | Refinance Cash-out - Other | Primary | 5/XX/2020 | WA | $XXX | Loan Review Complete | 7/XX/2020 2:14:24 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 7/XX/2020 | 2 | Due diligence results confirm loan defect provided |  | No appraisal was provided and loan is not salable. |  |  | Buyer Comment (2020/XX/24): Waived - Issue is related to the known defect.<br>Reviewer Comment (2020/XX/27): Client has elected to waive |
| 285625783 | XXX | XXX |  | 17950731 | 22708 |  | XXX | Refinance Cash-out - Other | Primary | 5/XX/2020 | WA | $XXX | Loan Review Complete | 7/XX/2020 2:14:24 PM | Title | General | Credit | cleared | 7/XX/2020 | 1 | Final Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $XXX is less than the note amount of $XXX based on the title evidence in file. | The preliminary title report in file disclosed $XXX of title insurance coverage; however this is less than the loan amount of $XXX. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  | Seller Comment (2020/XX/24): FTP with correct coverage<br>Reviewer Comment (2020/XX/27): The seller provided Final Title |
| 285625783 | XXX | XXX |  | 17950755 | 23931 |  | XXX | Refinance Cash-out - Other | Primary | 5/XX/2020 | WA | $XXX | Loan Review Complete | 7/XX/2020 2:14:24 PM | Legal / Regulatory / Compliance | Title / Lien Defect | Credit | cleared | 7/XX/2020 | 1 | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment | The file was missing a copy of the final title policy. |  |  | Reviewer Comment (2020/XX/27): The seller provided Final Title |
| 285625784 | XXX | XXX |  | 17952733 | 6516 |  | XXX | Purchase | Primary | 6/XX/2020 | GA | $XXX | Loan Review Complete | 7/XX/2020 2:14:24 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 7/XX/2020 | 3 | AUS/Guideline Findings: All conditions were not met |  | Homebuyer education course was required by DU for one or both borrowers, no proof education course was completed |  |  | Buyer Comment (2020/XX/24): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br>Reviewer Comment (2020/XX/27): Client has elected to waive |
| 285625784 | XXX | XXX |  | 17953748 | 23383 |  | XXX | Purchase | Primary | 6/XX/2020 | GA | $XXX | Loan Review Complete | 7/XX/2020 2:14:24 PM | Insurance | Insurance Analysis | Credit | waived | 7/XX/2020 | 3 | Insurance address does not match Note address. |  | Insurance address matches USPS address |  |  | Buyer Comment (2020/XX/24): Waived - XXX<br>Reviewer Comment (2020/XX/27): Client has elected to waive |
| 285625784 | XXX | XXX |  | 17953792 | 23387 |  | XXX | Purchase | Primary | 6/XX/2020 | GA | $XXX | Loan Review Complete | 7/XX/2020 2:14:24 PM | System | General | Credit | waived | 7/XX/2020 | 3 | Flood Certificate Subject Address does not match Note address. |  | Flood cert address matches USPS address |  |  | Buyer Comment (2020/XX/24): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br>Reviewer Comment (2020/XX/27): Client has elected to waive |
| 285625784 | XXX | XXX |  | 17954373 | 23084 |  | XXX | Purchase | Primary | 6/XX/2020 | GA | $XXX | Loan Review Complete | 7/XX/2020 2:14:24 PM | Compliance | Federal Compliance | Compliance | waived | 7/XX/2020 | 2 | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/5640161) | Start/End date of current/previous employment not verified. |  |  | Buyer Comment (2020/XX/24): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br>Reviewer Comment (2020/XX/27): Client has elected to waive |
| 285625784 | XXX | XXX |  | 17954375 | 25158 |  | XXX | Purchase | Primary | 6/XX/2020 | GA | $XXX | Loan Review Complete | 7/XX/2020 2:14:24 PM | Compliance | Federal Compliance | Compliance | waived | 7/XX/2020 | 1 | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock agreement/information not provided |  |  | Buyer Comment (2020/XX/24): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br>Reviewer Comment (2020/XX/27): Client has elected to waive |
| 285625784 | XXX | XXX |  | 17954398 | 4235 |  | XXX | Purchase | Primary | 6/XX/2020 | GA | $XXX | Loan Review Complete | 7/XX/2020 2:14:24 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 7/XX/2020 | 3 | AUS Findings: Qualifying asset balance discrepancy. | Calculated qualifying asset balance of $XXX is less than AUS qualifying asset balance of $XXX. | DU shows $XXX, statements provided show $XXX, variance of $XXX, updated AUS not provided |  |  | Buyer Comment (2020/XX/24): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br>Reviewer Comment (2020/XX/27): Client has elected to waive |
| 285625784 | XXX | XXX |  | 17956735 | 3831 |  | XXX | Purchase | Primary | 6/XX/2020 | GA | $XXX | Loan Review Complete | 7/XX/2020 2:14:24 PM | Credit | Miscellaneous | Credit | waived | 7/XX/2020 | 3 | Credit Exception: |  | Note City is invalid. Note shows city as XXX, GA but correct city should be XXX, GA. |  |  | Buyer Comment (2020/XX/24): Acknowledged<br>Reviewer Comment (2020/XX/27): Client acknowledged the condition |
| 285625784 | XXX | XXX |  | 17956915 | 5289 |  | XXX | Purchase | Primary | 6/XX/2020 | GA | $XXX | Loan Review Complete | 7/XX/2020 2:14:24 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 7/XX/2020 | 2 | Due diligence results confirm loan defect provided |  | Framework Homebuyer Education Completion certificate was not provided as required by AUS |  |  | Buyer Comment (2020/XX/24): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br>Reviewer Comment (2020/XX/27): Client has elected to waive |
| 285625785 | XXX | XXX |  | 17990000 | 27742 |  | XXX | Purchase | Primary | 11/XX/2019 | MI | $XXX | Loan Review Complete | 7/XX/2020 5:12:30 PM | Disclosure | Missing Document | Credit | waived | 8/XX/2020 | 3 | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  |  | Buyer Comment (2020/XX/04): Waived - stated defect/fha uninsured<br>Reviewer Comment (2020/XX/04): Client has elected to waive |
| 285625785 | XXX | XXX |  | 17990040 | 6260 |  | XXX | Purchase | Primary | 11/XX/2019 | MI | $XXX | Loan Review Complete | 7/XX/2020 5:12:30 PM | Loan Package Documentation | Application / Processing | Credit | waived | 8/XX/2020 | 3 | GSA results indicate loan originator excluded from eligibility. |  |  |  |  | Buyer Comment (2020/XX/04): Waived - FHA uninsured/stated defect<br>Reviewer Comment (2020/XX/04): Client has elected to waive |
| 285625785 | XXX | XXX |  | 17990057 | 5289 |  | XXX | Purchase | Primary | 11/XX/2019 | MI | $XXX | Loan Review Complete | 7/XX/2020 5:12:30 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 8/XX/2020 | 2 | Due diligence results confirm loan defect provided |  | FHA connection transferred the case number to Van Dyk Mortgage and a different borrower. Lender correspondence. Missing case number showing the incorrect case number and different borrower with date it was assigned. Not present in file only lender correspondence. |  |  | Buyer Comment (2020/XX/04): Acknowledged<br>Reviewer Comment (2020/XX/04): Client acknowledged the condition |
| 285625785 | XXX | XXX |  | 17990072 | 6572 |  | XXX | Purchase | Primary | 11/XX/2019 | MI | $XXX | Loan Review Complete | 7/XX/2020 5:12:30 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2020 | 1 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2019) |  |  |  | Buyer Comment (2020/XX/04): Waived - DD level 1<br>Reviewer Comment (2020/XX/04): Client has elected to waive |
| 285625785 | XXX | XXX |  | 17990074 | 1198 |  | XXX | Purchase | Primary | 11/XX/2019 | MI | $XXX | Loan Review Complete | 7/XX/2020 5:12:30 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2020 | 3 | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | Mavent report indicates FHA Qualified Mortgage Safe Harbor |  |  | Buyer Comment (2020/XX/04): Waived - FHA uninsured<br>Reviewer Comment (2020/XX/04): Client has elected to waive |
| 285625785 | XXX | XXX |  | 17990075 | 26915 |  | XXX | Purchase | Primary | 11/XX/2019 | MI | $XXX | Loan Review Complete | 7/XX/2020 5:12:30 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2020 | 2 | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 11/XX/2019 disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. (Final/11/XX/2019) |  |  | 11/XX/2020 | Buyer Comment (2020/XX/04): Waived - DD level 2<br>Reviewer Comment (2020/XX/04): Client elects to waive |
| 285625785 | XXX | XXX |  | 17990076 | 26033 |  | XXX | Purchase | Primary | 11/XX/2019 | MI | $XXX | Loan Review Complete | 7/XX/2020 5:12:30 PM | Compliance | Federal Compliance | Compliance | cleared | 8/XX/2020 | 1 | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 09/XX/2019 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/09/XX/2019) |  |  | 11/XX/2020 | Seller Comment (2020/XX/14): eConsent<br>Reviewer Comment (2020/XX/14): E-consent provided confirms 08/XX/2019 consent date. |
| 285625785 | XXX | XXX |  | 17990079 | 6542 |  | XXX | Purchase | Primary | 11/XX/2019 | MI | $XXX | Loan Review Complete | 7/XX/2020 5:12:30 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2020 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77163) | Loan estimate 11/XX/2019 did not disclose a Title- search fee Chain of title fee; however, the fee was disclosed on the borrower final CD as $XXX with no COC or cure to borrower |  | 11/XX/2020 | Buyer Comment (2020/XX/04): Waived - no assignee liability<br>Reviewer Comment (2020/XX/04): Client elects to waive |
| 285625785 | XXX | XXX |  | 17990080 | 6542 |  | XXX | Purchase | Primary | 11/XX/2019 | MI | $XXX | Loan Review Complete | 7/XX/2020 5:12:30 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2020 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7729) | Loan estimate 11/XX/2019 did disclose a Title- Lender's Title Insurance fee for $XXX; however, the fee was disclosed on the borrower final CD as $XXX with no COC or cure to borrower |  | 11/XX/2020 | Buyer Comment (2020/XX/04): Waived - no assignee liability<br>Reviewer Comment (2020/XX/04): Client elects to waive |
| 285625785 | XXX | XXX |  | 17990081 | 6542 |  | XXX | Purchase | Primary | 11/XX/2019 | MI | $XXX | Loan Review Complete | 7/XX/2020 5:12:30 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2020 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) | Loan estimate 11/XX/2019 did not disclose a Transfer Tax fee; however, the fee was disclosed on the borrower final CD as $XXX with no COC or cure to borrower |  | 11/XX/2020 | Buyer Comment (2020/XX/04): Waived - no assignee liability<br>Reviewer Comment (2020/XX/04): Client elects to waive |
| 285625785 | XXX | XXX |  | 17990082 | 3867 |  | XXX | Purchase | Primary | 11/XX/2019 | MI | $XXX | Loan Review Complete | 7/XX/2020 5:12:30 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2020 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. | Mavent report indicates FHA Qualified Mortgage Safe Harbor |  |  | Buyer Comment (2020/XX/04): Waived - accept dil desig<br>Reviewer Comment (2020/XX/04): Client has elected to waive |
| 285625785 | XXX | XXX |  | 17990083 | 6543 |  | XXX | Purchase | Primary | 11/XX/2019 | MI | $XXX | Loan Review Complete | 7/XX/2020 5:12:30 PM | Compliance | Federal Compliance | Compliance | waived | 8/XX/2020 | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. in the amount of $XXX |  | 11/XX/2020 | Buyer Comment (2020/XX/04): Waived - no assignee liability<br>Reviewer Comment (2020/XX/04): Client elects to waive |
| 285625786 | XXX | XXX |  | 18306045 | 1198 |  | XXX | Purchase | Primary | 5/XX/2020 | GA | $XXX | Loan Review Complete | 9/XX/2020 12:08:41 PM | Compliance | Federal Compliance | Compliance | waived | 9/XX/2020 | 3 | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | Loan is not eligible for FHA insurance. |  |  | Buyer Comment (2020/XX/16): Waived - uninsured<br>Reviewer Comment (2020/XX/17): Client has elected to waive |
| 285625786 | XXX | XXX |  | 18306046 | 1257 |  | XXX | Purchase | Primary | 5/XX/2020 | GA | $XXX | Loan Review Complete | 9/XX/2020 12:08:41 PM | Compliance | Federal Compliance | Compliance | waived | 9/XX/2020 | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Total Debt to Income Ratio exceeds 43% due to the calculation of Child Support Income. The lender documented monthly amount for child support is $XXX however the Child Support Court Order provided in the loan file along with deposits on the bank statements all reflect a monthly income of $XXX. |  |  | Buyer Comment (2020/XX/16): Waived - priced as atr fail<br>Reviewer Comment (2020/XX/17): Client has elected to waive |
| 285625786 | XXX | XXX |  | 18306057 | 6542 |  | XXX | Purchase | Primary | 5/XX/2020 | GA | $XXX | Loan Review Complete | 9/XX/2020 12:08:41 PM | Compliance | Federal Compliance | Compliance | waived | 9/XX/2020 | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7723) | No COC or cure was provided to the borrower for tolerance overages |  | 5/XX/2021 | Buyer Comment (2020/XX/16): Waived - seller pd<br>Reviewer Comment (2020/XX/17): Client has elected to waive |
| 285625786 | XXX | XXX |  | 18310291 | 28407 |  | XXX | Purchase | Primary | 5/XX/2020 | GA | $XXX | Loan Review Complete | 9/XX/2020 12:08:41 PM | Compliance | Federal Compliance | Compliance | waived | 9/XX/2020 | 2 | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Safe Harbor issue unknown. |  |  | Buyer Comment (2020/XX/16): Waived - 2<br>Reviewer Comment (2020/XX/17): Client has elected to waive |
| 285625786 | XXX | XXX |  | 18310339 | 20596 |  | XXX | Purchase | Primary | 5/XX/2020 | GA | $XXX | Loan Review Complete | 9/XX/2020 12:08:41 PM | Guideline | Guideline Issue | Credit | waived | 9/XX/2020 | 3 | FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required. | Borrower's total contribution is 3.13884% ($XXX). | False fail-Borrower's MRI is met. |  |  | Buyer Comment (2020/XX/16): Waived - uninsured<br>Reviewer Comment (2020/XX/17): Client has elected to waive |
| 285625786 | XXX | XXX |  | 18310352 | 27742 |  | XXX | Purchase | Primary | 5/XX/2020 | GA | $XXX | Loan Review Complete | 9/XX/2020 12:08:41 PM | Disclosure | Missing Document | Credit | waived | 9/XX/2020 | 3 | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  | Loan is not insurable due to DTI exceeds 43%. |  |  | Buyer Comment (2020/XX/16): Waived - priced as atr fail<br>Reviewer Comment (2020/XX/17): Client has elected to waive |
| 285625786 | XXX | XXX |  | 18317590 | 5289 |  | XXX | Purchase | Primary | 5/XX/2020 | GA | $XXX | Loan Review Complete | 9/XX/2020 12:08:41 PM | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | waived | 9/XX/2020 | 2 | Due diligence results confirm loan defect provided |  | Defect reason provided on tape has been confirmed - UNABLE TO VALIDATE INCOME. DTI WAS AT 43.168% - \*\*\*Total Debt to Income Ratio exceeds 43% due to the calculation of Child Support Income. The lender documented monthly amount for child support is $XXX however the Child Support Court Order provided in the loan file along with deposits on the bank statements all reflect a monthly income of $XXX. |  |  | Buyer Comment (2020/XX/16): Acknowledged<br>Reviewer Comment (2020/XX/17): Client acknowledged the condition |
| 285625786 | XXX | XXX |  | 18324384 | 3867 |  | XXX | Purchase | Primary | 5/XX/2020 | GA | $XXX | Loan Review Complete | 9/XX/2020 12:08:41 PM | Compliance | Federal Compliance | Compliance | waived | 9/XX/2020 | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Safe Harbor requirements not satisfied. appraisal requirements not met |  |  | Buyer Comment (2020/XX/16): Waived - accept dil desig<br>Reviewer Comment (2020/XX/17): Client has elected to waive |

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![](tm2520117d1_ex99-2img003.jpg)

**Loan Level Exception - Disposition**

**Run Date - 6/XX/2025 12:15:22 PM**

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| **Unique ID** | **Customer Loan ID** | **Seller Loan ID** | **Borrower Name** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 1** | **Disposition 2** |
| 285624488 | XXX | XXX | XXX | $XXX | AZ | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  | BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX.<br> BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX.<br> BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX.<br> BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX.<br> BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624491 | XXX | XXX | XXX | $XXX | FL | 7/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  | BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX.<br> BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX.<br> BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624493 | XXX | XXX | XXX | $XXX | FL | 8/XX/2007 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  | BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX.<br> BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX.<br> BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX.<br> BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX.<br> BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624492 | XXX | XXX | XXX | $XXX | FL | 10/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  | BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX.<br> BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX.<br> BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX.<br> BUYER - GENERAL COMMENT (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624639 | XXX | XXX | XXX | $XXX | VT | 5/XX/2000 | UTD | Refinance UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [2] State Compliance - Vermont Interest Act - VT High Rate, High Point Disclosure Not Provided: Vermont Interest Act: Vermont Disclosure not provided to loan applicant.<br> [2] State Compliance - Vermont Interest Act - Vermont High Rate, High Point Loan (Interest Rate and/or Points and Fees): Vermont Interest Act: Note Rate on subject loan of 13.00000% is in excess of allowable threshold of Declared Rate 8.4000% + 3%, or 11.40000, or Points on the loan of .00000% exceed the allowable threshold of 4%. Non-Compliant Loan.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2000 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Vermont Interest Act - VT High Rate, High Point Disclosure Not Provided: Neither Section 104 nor the Regulation provide specifically for assignee liability; however, given that Section 104 grants the Department authority to require any "lender", which term is undefined, to refund any discount points or other charges paid by a borrower who has not received the required disclosures, purchasers and assignees should exercise caution in purchasing such loans. Section 104 provides that the Department may impose an administrative penalty of not more than $XXX on any person. In addition, the Department may order a lender to refund any discount points or other charges paid by a borrower.<br>State Compliance - Vermont Interest Act - Vermont High Rate, High Point Loan (Interest Rate and/or Points and Fees): Neither Section 104 nor the Regulation provide specifically for assignee liability; however, given that Section 104 grants the Department authority to require any "lender", which term is undefined, to refund any discount points or other charges paid by a borrower who has not received the required disclosures, purchasers and assignees should exercise caution in purchasing such loans. |  | Yes | Out | TR Indeterminable D |
| 285625635 | XXX | XXX | XXX | $XXX | IL | 6/XX/2015 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625622 | XXX | XXX | XXX | $XXX | SC | 1/XX/2015 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624520 | XXX | XXX | XXX | $XXX | OH | 7/XX/2005 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Final Title Policy is missing. No evidence of title was found in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 6/XX/2005 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  |  |  |  |  | - B |
| 285624587 | XXX | XXX | XXX | $XXX | VA | 4/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 3/XX/2006 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624518 | XXX | XXX | XXX | $XXX | LA | 11/XX/2002 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided | Subject mortgage missing page 1 with terms of repayment |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 month(s) prior to consummation. A 2 month lookback was used to determine this application date. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624521 | XXX | XXX | XXX | $XXX | CA | 1/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Missing Document - Negative Information Disclosures are missing: Disclosure: Negative Information Disclosures<br> [3] Miscellaneous Compliance - Privacy Notice is missing: Disclosure: Privacy Notice<br> [2] Closing / Title - Note is not on a FNMA/FHLMC form and may not contain standard legal language. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Initial TIL not provided |  |  |  |  |  |  | - B |
| 285624523 | XXX | XXX | XXX | $XXX | TX | 2/XX/2005 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 1/XX/2005 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a Closing attorney fee of $XXX as prepaid finance charge. |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624502 | XXX | XXX | XXX | $XXX | IL | 3/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Miscellaneous Compliance - Privacy Notice is missing: Disclosure: Privacy Notice |  |  |  |  |  | 2 | [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624498 | XXX | XXX | XXX | $XXX | VA | 3/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624504 | XXX | XXX | XXX | $XXX | FL | 2/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  |  | - B |
| 285624628 | XXX | XXX | XXX | $XXX | PA | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624590 | XXX | XXX | XXX | $XXX | NE | 2/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Miscellaneous Compliance - Privacy Notice is missing: Disclosure: Privacy Notice |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 1/XX/2008 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624556 | XXX | XXX | XXX | $XXX | OH | 2/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/2004 which is the consummation date. A 1 month lookback was used to determine this application date. |  |  |  |  |  |  | - B |
| 285624630 | XXX | XXX | XXX | $XXX | IL | 12/XX/2002 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Miscellaneous Compliance - Privacy Notice is missing: Disclosure: Privacy Notice |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2002. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624522 | XXX | XXX | XXX | $XXX | CA | 9/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624524 | XXX | XXX | XXX | $XXX | PA | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Miscellaneous Compliance - Privacy Notice is missing: Disclosure: Privacy Notice |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 2/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  | Yes | Out | TR Indeterminable D |
| 285624526 | XXX | XXX | XXX | $XXX | WA | 4/XX/2009 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.<br> [2] State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely): Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of receipt of the loan application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely): The Act does not appear to provide for assignee liability. |  |  |  | - B |
| 285624616 | XXX | XXX | XXX | $XXX | CA | 1/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624653 | XXX | XXX | XXX | $XXX | NY | 10/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624591 | XXX | XXX | XXX | $XXX | CA | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Desk-Top Review / Valuation Report Date: 11/XX/2006 |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624615 | XXX | XXX | XXX | $XXX | WI | 3/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624589 | XXX | XXX | XXX | $XXX | NJ | 3/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624617 | XXX | XXX | XXX | $XXX | WA | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | Yes | Out | TR Indeterminable D |
| 285624647 | XXX | XXX | XXX | $XXX | WA | 10/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. | Application / Processing - Missing Document: Missing Lender's Initial 1003: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624559 | XXX | XXX | XXX | $XXX | NJ | 7/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] State Compliance - New Jersey Home Loan (Late Charge): New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.<br> [2] Closing / Title - Note Error: Note grace period days less than minimum per state<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2004, prior to three (3) business days from transaction date of 07/XX/2004.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004. | Closing / Title - Note Error: Note grace period days less than minimum per state: Grace period of 10 days does not meet the 15 days allowed for the state of New Jersey. |  | State Compliance - New Jersey Home Loan (Late Charge): Assignee Liability: Assignees and purchasers of New Jersey high cost home loans are subject to all affirmative claims and any defenses with respect to the loan that the borrower could assert against the original creditor of the loan. Section 6(c) of the Act also provides that a borrower acting only in an individual capacity may assert against the creditor or any subsequent holder or assignee: (1) Within six years of the closing of covered home loan, a violation of the Act as an original action or as a defense, claim, or counterclaim; and (2) At any time during the term of a high cost home loan a defense, claim or counterclaim. The aforementioned may both be brought after an action to collect on the home loan or foreclose on the collateral securing the home loan has been initiated, the debt arising from the home loan has been accelerated, or the home loan has become 60 days in default. Further, the Act contains a choice of law provision permitting actions under either the New Jersey Consumer Fraud Act ("NJCFA"), which possibly allow for class actions, or the Act. The July 6, 2004 amendments clarify that a defense, claim, or counterclaim may only be brought in an individual capacity and may not be asserted in a class action. Additionally, the statute provides for punitive damages.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | Late Charge |
| 285624582 | XXX | XXX | XXX | $XXX | AL | 1/XX/2001 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624592 | XXX | XXX | XXX | $XXX | NY | 3/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] State Compliance - Note Error: Note late charge percentage exceeds maximum per state<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. | State Compliance - Note Error: Note late charge percentage exceeds maximum per state: Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5% |  |  |  |  |  | - B |
| 285624543 | XXX | XXX | XXX | $XXX | AZ | 6/XX/2005 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624618 | XXX | XXX | XXX | $XXX | AL | 5/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Closing / Title - Title: Evidence of title is missing |  |  |  |  |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2006, prior to three (3) business days from transaction date of 05/XX/2006.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624560 | XXX | XXX | XXX | $XXX | VA | 10/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624629 | XXX | XXX | XXX | $XXX | NY | 10/XX/2007 | Primary | Refinance Cash-out - Home Improvement |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624645 | XXX | XXX | XXX | $XXX | WA | 8/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Miscellaneous Compliance: Evidence of Disbursement Date Not in File. Disbursement date used to perform compliance tests determined based on first payment date.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. | Miscellaneous Compliance - Miscellaneous Compliance: Evidence of Disbursement Date Not in File. Disbursement date used to perform compliance tests determined based on first payment date.: Evidence of Disbursement Date Not in File. Disbursement date used to perform compliance tests determined based on first payment date. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624646 | XXX | XXX | XXX | $XXX | FL | 7/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624641 | XXX | XXX | XXX | $XXX | FL | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  | Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624552 | XXX | XXX | XXX | $XXX | MD | 12/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624585 | XXX | XXX | XXX | $XXX | CA | 10/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624600 | XXX | XXX | XXX | $XXX | NJ | 6/XX/2006 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to $XXX Broker fee and $XXX Notice of settlement on the FHUD, but not reflected on the TIL itemization of prepaid finance charges. |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624620 | XXX | XXX | XXX | $XXX | VA | 6/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 | [3] Credit Documentation - Missing Document: Credit Report not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624649 | XXX | XXX | XXX | $XXX | PA | 5/XX/1998 | Investment | Refinance Cash-out - Other |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/1997. |  |  |  |  |  |  | - B |
| 285624567 | XXX | XXX | XXX | $XXX | PA | 6/XX/2007 | Primary | Refinance UTD |  | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 285624632 | XXX | XXX | XXX | $XXX | MA | 11/XX/2006 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624499 | XXX | XXX | XXX | $XXX | FL | 1/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Application / Processing - Valuation Error: APN Number not provided. | The APN Number is no included in the text of the Security Instrument. |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing instructions indicates the Index used was 1.773%. The lowest Index available within the look-back period is 1.8867% |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624509 | XXX | XXX | XXX | $XXX | MI | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  |  | - B |
| 285624571 | XXX | XXX | XXX | $XXX | LA | 3/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 | [3] Credit Documentation - Missing Document: Credit Report not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624528 | XXX | XXX | XXX | $XXX | SC | 2/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] General - Incomplete Document: TIL Final is incomplete<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | General - Incomplete Document: TIL Final is incomplete: Missing page 2 of 2 pages. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624643 | XXX | XXX | XXX | $XXX | ME | 8/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Review acknowledges that as of 03/XX/2018, no evidence of the borrower's Initial Loan Application was not found to be imaged into the current file documentation. In the absence of the application a fictitious date was determined from a look back of 30 days from the closing date, for testing purposes.<br> Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Review acknowledges the Final TIL did not have a borrower's signature and therefore no means of determining compliance timing.<br> Federal Compliance - FACTA Disclosure Missing: Review acknowledges as of 04/XX/2018, no evidence of a FACTA Disclosure has been imaged to file documentation.<br> Federal Compliance - Missing Initial Loan Application Test: Review acknowledges that as of 04/XX/2018, no evidence of the borrower's Initial Loan Application was not found to be imaged into the current file documentation. In the absence of the application a fictitious date was determined from a look back of 30 days from the closing date, for testing purposes. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624652 | XXX | XXX | XXX | $XXX | NJ | 12/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624621 | XXX | XXX | XXX | $XXX | VA | 9/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624613 | XXX | XXX | XXX | $XXX | DE | 11/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 11/XX/2005<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624544 | XXX | XXX | XXX | $XXX | PA | 11/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624510 | XXX | XXX | XXX | $XXX | WI | 2/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624626 | XXX | XXX | XXX | $XXX | NM | 12/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624637 | XXX | XXX | XXX | $XXX | SC | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  |  | - B |
| 285624572 | XXX | XXX | XXX | $XXX | NY | 6/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2005, prior to three (3) business days from transaction date of 06/XX/2005.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing. |  |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624610 | XXX | XXX | XXX | $XXX | PA | 11/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2003. | State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Grace period of 10 days is below the minimum of 15 days required for the state of PA. |  |  |  |  |  | - B |
| 285624534 | XXX | XXX | XXX | $XXX | IN | 11/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2002. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Final TIL itemization does not have the Processing Fee of $XXX included in the prepaid amount financed. A Title Courier fee is including of $XXX when $XXX was charged. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624570 | XXX | XXX | XXX | $XXX | IN | 4/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624574 | XXX | XXX | XXX | $XXX | KY | 7/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624569 | XXX | XXX | XXX | $XXX | KY | 1/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  | - B |
| 285624532 | XXX | XXX | XXX | $XXX | PA | 6/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624633 | XXX | XXX | XXX | $XXX | SC | 2/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Closing / Title - (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I: Note P&I of $XXX does not match Calculated P&I of $XXX |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 11.93000% is underdisclosed from calculated APR of 12.33747% outside of 0.125% tolerance.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the variance in disclosed payment of $XXX and the calculated payment of $XXX. |  | Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624573 | XXX | XXX | XXX | $XXX | VA | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624548 | XXX | XXX | XXX | $XXX | OH | 2/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2004, prior to three (3) business days from transaction date of 02/XX/2004.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2004 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2003. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624603 | XXX | XXX | XXX | $XXX | MD | 9/XX/2013 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Maryland Counseling Disclosure Not In File: Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.<br> [2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: Borrower's ability to repay not verified with reliable documentation.<br> [1] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing the TIL itemization of amount financed. |  | State Compliance - Maryland Counseling Disclosure Not In File: HB 1399 does not contain express provisions for assignee liability.<br>State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Assignee liability is unclear.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Maryland Ability to Repay Not Verified: No express provisions for assignee liability<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624531 | XXX | XXX | XXX | $XXX | MI | 1/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2001. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624602 | XXX | XXX | XXX | $XXX | MI | 5/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 05/XX/2006 | Appraisal was unavailable. |  |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  |  | - B |
| 285624605 | XXX | XXX | XXX | $XXX | FL | 7/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Initial TIL not provided<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624642 | XXX | XXX | XXX | $XXX | NJ | 9/XX/2010 | Primary | Refinance Rate/Term |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624501 | XXX | XXX | XXX | $XXX | FL | 6/XX/2006 | Primary | Purchase |  | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624576 | XXX | XXX | XXX | $XXX | NY | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Application / Processing - Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 12/XX/2006 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624604 | XXX | XXX | XXX | $XXX | VA | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624597 | XXX | XXX | XXX | $XXX | MD | 3/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. | State Compliance - Maryland Late Charge Grace Period Testing: Min grace period for MD is 15 days - note states 10 |  |  |  |  |  | - B |
| 285624581 | XXX | XXX | XXX | $XXX | NC | 3/XX/2001 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - North Carolina Home Loan (Impermissible Prepayment Penalty): North Carolina Home Loan: First lien mortgage loan less than $XXX contains an impermissible prepayment penalty.<br> [2] State Compliance - (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2000. | State Compliance - North Carolina Home Loan (Impermissible Prepayment Penalty): PPP Expired. Prepayment charge not allowed per state (NC) - if principal amount is less than $XXX in NC then no PPP is allowed- note states 30 months at 1% of unpaid balance. Lender is XXX.<br> State Compliance - (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements: PPP Expired. Prepayment charge not allowed per state (NC) - if principal amount is less than $XXX in NC then no PPP is allowed- note states 30 months at 1% of unpaid balance. Lender is XXX. |  | State Compliance - North Carolina Home Loan (Impermissible Prepayment Penalty): Assignee liability is unclear. A holder of the loan may be exposed to the consequences if the loan is deemed usurious, resulting in forfeiture of all interest and return of twice the interest paid, or if the violation constitutes a deceptive act or practice, subjecting the holder to treble damages, but not both. |  |  |  | - B |
| 285624538 | XXX | XXX | XXX | $XXX | PA | 11/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  |  |  |  |  | - B |
| 285624619 | XXX | XXX | XXX | $XXX | FL | 12/XX/2005 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624565 | XXX | XXX | XXX | $XXX | AL | 8/XX/2006 | Primary | Refinance Rate/Term |  | 1 | [3] Appraisal Documentation - Missing Document: Appraisal not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624577 | XXX | XXX | XXX | $XXX | TN | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624578 | XXX | XXX | XXX | $XXX | TX | 7/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) HUD Error: Disbursement date is earlier than final TIL signature date.<br> [3] Closing / Title - (Doc Error) HUD Error: Disbursement date is earlier than notary/security instrument date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested C |
| 285624517 | XXX | XXX | XXX | $XXX | MD | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 07/XX/2007<br> [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 2 | [2] State Compliance - Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [2] Closing / Title - Note Error: Note grace period days less than minimum per state<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. | State Compliance - Maryland Late Charge Grace Period Testing: Grace period not allowed per state (MD) – min grace period for MD is 15 days - note states 7 days<br> Closing / Title - Note Error: Note grace period days less than minimum per state: Grace period not allowed per state (MD) – min grace period for MD is 15 days - note states 7 days |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624579 | XXX | XXX | XXX | $XXX | SC | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  |  | - B |
| 285624606 | XXX | XXX | XXX | $XXX | CA | 10/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  | - B |
| 285624516 | XXX | XXX | XXX | $XXX | TN | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 01/XX/2007<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624529 | XXX | XXX | XXX | $XXX | IL | 3/XX/2006 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624625 | XXX | XXX | XXX | $XXX | MS | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624500 | XXX | XXX | XXX | $XXX | MI | 3/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624497 | XXX | XXX | XXX | $XXX | TX | 3/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required D |
| 285624545 | XXX | XXX | XXX | $XXX | FL | 5/XX/2006 | UTD | UTD UTD |  | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Out | Indeterminable D |
| 285624512 | XXX | XXX | XXX | $XXX | GA | 12/XX/2006 | Investment | Purchase |  | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Disparity in Occupancy: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment)<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. | Federal Compliance - Disparity in Occupancy: Discrepancy in Occupancy does not have high cost implications. Testing loan as primary residence does not result in high cost findings. |  |  |  |  |  | - B |
| 285624546 | XXX | XXX | XXX | $XXX | MD | 11/XX/2007 | Primary | Purchase |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  | - B |
| 285624623 | XXX | XXX | XXX | $XXX | GA | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  | - B |
| 285624496 | XXX | XXX | XXX | $XXX | GA | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625619 | XXX | XXX | XXX | $XXX | TX | 11/XX/2018 | Investment | Refinance Cash-out - Other | Exempt from ATR | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [3] Asset Documentation - Guideline Issue: Insufficient asset documentation.: Financial Institution: XXX // Account Type: Checking / Account Number: XXX | Only 1 month of bank statements was provided and 2 were required per the AUS.<br> Only 1 month asset statement provided for Bank of America account #XXX guides require 2 months. | BUYER - GENERAL COMMENT (2018/XX/28): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/31): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/28): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/31): The buyer has elected to waive this exception. | [1] Value Discrepancy - Loan is to go in a securitization and reflects only one origination valuation product when two are required. | Missing secondary valuation. | BUYER - GENERAL COMMENT (2018/XX/19): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/20): The buyer has elected to waive this exception. | 1 | [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |  | BUYER - GENERAL COMMENT (2018/XX/19): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/20): The buyer has elected to waive this exception. |  |  |  |  | - B |
| 285625620 | XXX | XXX | XXX | $XXX | CA | 10/XX/2018 | Investment | Refinance Cash-out - Other | Exempt from ATR | 3 | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> [3] Application / Processing - Missing Document: Fraud Report not provided | The subject is located in a FEMA Disaster Area. A post-disaster inspection is required verifying there was no damage to the subject. The inspection must include exterior photos of the subject. | BUYER - GENERAL COMMENT (2018/XX/19): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/20): The buyer has elected to waive this exception.<br> BUYER - GENERAL COMMENT (2018/XX/19): Waived<br> REVIEWER - WAIVED COMMENT (2018/XX/20): The buyer has elected to waive this exception. |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625621 | XXX | XXX | XXX | $XXX | IL | 10/XX/2018 | Investment | Refinance Cash-out - Other | Exempt from ATR | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624958 | XXX | XXX | XXX | $XXX | CO | 3/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Subject loan was approved with stated appraised value. File is missing verification the subject property was not affected by the FEMA Disaster dated XX/XX/XXXX.<br> Hazard insurance amount of $XXX is not enough to cover the loan amount of $XXX and an appraisal was not required. File is missing documentation from the property insurer to establish their opinion of the property's true replacement cost in order to determine if the amount of coverage is sufficient. |  |  |  |  | 2 | [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. | Federal Compliance - RESPA (2010) – Written Service Provider List Missing: List of Service Providers is missing from the imaged file. |  | Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624815 | XXX | XXX | XXX | $XXX | MA | 1/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624845 | XXX | XXX | XXX | $XXX | NC | 5/XX/2003 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624829 | XXX | XXX | XXX | $XXX | TN | 3/XX/2005 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. |  |  |  |  |  |  | - B |
| 285624809 | XXX | XXX | XXX | $XXX | TX | 5/XX/2006 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624780 | XXX | XXX | XXX | $XXX | MD | 6/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624743 | XXX | XXX | XXX | $XXX | NV | 1/XX/2007 | Primary | Purchase |  | 2 | [1] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624742 | XXX | XXX | XXX | $XXX | TX | 8/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624733 | XXX | XXX | XXX | $XXX | MD | 4/XX/2006 | Primary | Purchase |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | File does not contain either Preliminary or Final Title |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624713 | XXX | XXX | XXX | $XXX | WA | 8/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624661 | XXX | XXX | XXX | $XXX | NY | 12/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  | 2 | [2] State Compliance - New York Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2002, prior to three (3) business days from transaction date of 12/XX/2002.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2002. | State Compliance - New York Late Charge Grace Period Testing: 5% late charge exceeds 2% maximum per state NY.<br> State Compliance - New York Late Charge Percent Testing: 5% late charge exceeds 2% maximum per state NY.<br> Miscellaneous Compliance - (Doc Error) Initial GFE not provided: GFE missing |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624660 | XXX | XXX | XXX | $XXX | NJ | 9/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. |  |  |  |  |  |  | - B |
| 285624852 | XXX | XXX | XXX | $XXX | MI | 10/XX/2000 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2000. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624851 | XXX | XXX | XXX | $XXX | OH | 10/XX/2000 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2000 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2000. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 285624850 | XXX | XXX | XXX | $XXX | NC | 10/XX/2000 | Primary | Refinance Rate/Term |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624849 | XXX | XXX | XXX | $XXX | CA | 9/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2002. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624848 | XXX | XXX | XXX | $XXX | CO | 10/XX/2002 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The itemization of amount financed did not include the escrow service fee of $XXX or courier fee of $XXX as prepaid finance charges, the closing fee on the HUD is $XXX the itemization indicates $XXX. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624847 | XXX | XXX | XXX | $XXX | FL | 11/XX/1998 | Primary | Construction-Permanent |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/1998 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/1998. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | No | In | TNR Testing Not Required D |
| 285624844 | XXX | XXX | XXX | $XXX | MI | 5/XX/2003 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624842 | XXX | XXX | XXX | $XXX | PA | 11/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624841 | XXX | XXX | XXX | $XXX | CA | 6/XX/2004 | Second Home | Purchase |  | 1 | [1] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004. |  |  |  |  |  |  | - B |
| 285624838 | XXX | XXX | XXX | $XXX | OH | 6/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624831 | XXX | XXX | XXX | $XXX | MD | 4/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  | - B |
| 285624830 | XXX | XXX | XXX | $XXX | CA | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624828 | XXX | XXX | XXX | $XXX | CA | 4/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | No | In | TNR Testing Not Required D |
| 285624827 | XXX | XXX | XXX | $XXX | OH | 6/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624825 | XXX | XXX | XXX | $XXX | MS | 10/XX/2005 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 | Application is incomplete missing signatures for all borrowers. |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. |  |  |  |  |  |  | - B |
| 285624824 | XXX | XXX | XXX | $XXX | CA | 11/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | No | In | TNR Testing Not Required D |
| 285624822 | XXX | XXX | XXX | $XXX | AL | 7/XX/2005 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  |  | - B |
| 285624821 | XXX | XXX | XXX | $XXX | CA | 12/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624820 | XXX | XXX | XXX | $XXX | CT | 12/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624819 | XXX | XXX | XXX | $XXX | MD | 12/XX/2005 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624818 | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | Yes | Out | TR HUD Deficiency |
| 285624817 | XXX | XXX | XXX | $XXX | NY | 4/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. |  |  |  |  |  |  | - B |
| 285624814 | XXX | XXX | XXX | $XXX | CA | 1/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624813 | XXX | XXX | XXX | $XXX | MD | 11/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624812 | XXX | XXX | XXX | $XXX | CA | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624811 | XXX | XXX | XXX | $XXX | WV | 2/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624810 | XXX | XXX | XXX | $XXX | AZ | 8/XX/2006 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624808 | XXX | XXX | XXX | $XXX | AL | 7/XX/2006 | Primary | Refinance Cash-out - Home Improvement |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624807 | XXX | XXX | XXX | $XXX | CT | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  |  | - B |
| 285624806 | XXX | XXX | XXX | $XXX | IN | 7/XX/2006 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624805 | XXX | XXX | XXX | $XXX | TN | 7/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624804 | XXX | XXX | XXX | $XXX | CA | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624801 | XXX | XXX | XXX | $XXX | VA | 11/XX/2006 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624800 | XXX | XXX | XXX | $XXX | VA | 12/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624798 | XXX | XXX | XXX | $XXX | AZ | 5/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624796 | XXX | XXX | XXX | $XXX | OH | 2/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an admin fee of $XXX a closing protection letter fee of $XXX and a wire fee of $XXX as prepaid finance charges. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  |  | - B |
| 285624795 | XXX | XXX | XXX | $XXX | MA | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624794 | XXX | XXX | XXX | $XXX | MD | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624793 | XXX | XXX | XXX | $XXX | KY | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  | - B |
| 285624792 | XXX | XXX | XXX | $XXX | CA | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624791 | XXX | XXX | XXX | $XXX | SC | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  |  | - B |
| 285624790 | XXX | XXX | XXX | $XXX | FL | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing final itemization of amount financed. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624788 | XXX | XXX | XXX | $XXX | TX | 6/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624785 | XXX | XXX | XXX | $XXX | AL | 12/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624783 | XXX | XXX | XXX | $XXX | MN | 5/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624782 | XXX | XXX | XXX | $XXX | MA | 5/XX/2007 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624781 | XXX | XXX | XXX | $XXX | MI | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2009.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624779 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Second Home | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624778 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624777 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.28286% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2007) (an overage of $XXX or .28286%).<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624776 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 | [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  | - B |
| 285624775 | XXX | XXX | XXX | $XXX | KS | 9/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624774 | XXX | XXX | XXX | $XXX | MD | 9/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624772 | XXX | XXX | XXX | $XXX | CA | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624771 | XXX | XXX | XXX | $XXX | CA | 8/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624770 | XXX | XXX | XXX | $XXX | FL | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.51917% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2007) (an overage of $XXX or 1.51917%).<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624769 | XXX | XXX | XXX | $XXX | FL | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.01894% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2007) (an overage of $XXX or 1.01894%).<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624768 | XXX | XXX | XXX | $XXX | OH | 8/XX/2007 | Primary | Purchase |  | 2 | [1] Closing / Title - Final Title Policy is missing. No evidence of title was found in file. |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624767 | XXX | XXX | XXX | $XXX | FL | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure caused by combination of TIL itemization showing $XXX Closing fee while the FHUD shows $XXX; and Neg Am payment stream variance. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624765 | XXX | XXX | XXX | $XXX | NC | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624764 | XXX | XXX | XXX | $XXX | UT | 10/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624761 | XXX | XXX | XXX | $XXX | CA | 2/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624760 | XXX | XXX | XXX | $XXX | DE | 2/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): TILA ROR Form - The Third Circuit has prior rulings that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form. Creditors are required to use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  |  | - B |
| 285624759 | XXX | XXX | XXX | $XXX | PA | 3/XX/2008 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2008. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624758 | XXX | XXX | XXX | $XXX | CA | 4/XX/2008 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624757 | XXX | XXX | XXX | $XXX | NJ | 7/XX/2008 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624756 | XXX | XXX | XXX | $XXX | WI | 7/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624755 | XXX | XXX | XXX | $XXX | CA | 6/XX/2008 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to source under disclosure due to missing itemization of amount financed. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624754 | XXX | XXX | XXX | $XXX | TX | 11/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624753 | XXX | XXX | XXX | $XXX | PA | 7/XX/1997 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1997 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/1997. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 285624752 | XXX | XXX | XXX | $XXX | NC | 9/XX/2007 | Primary | Purchase |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | No evidence of Prelininary or Final Title in file. |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624750 | XXX | XXX | XXX | $XXX | FL | 3/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624749 | XXX | XXX | XXX | $XXX | MD | 8/XX/2007 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624746 | XXX | XXX | XXX | $XXX | FL | 12/XX/2006 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624745 | XXX | XXX | XXX | $XXX | GA | 1/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624744 | XXX | XXX | XXX | $XXX | MA | 1/XX/2008 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624741 | XXX | XXX | XXX | $XXX | CA | 2/XX/2008 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | Out | TR Indeterminable D |
| 285624740 | XXX | XXX | XXX | $XXX | NJ | 2/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624739 | XXX | XXX | XXX | $XXX | NM | 6/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624736 | XXX | XXX | XXX | $XXX | HI | 9/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624735 | XXX | XXX | XXX | $XXX | AR | 12/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624732 | XXX | XXX | XXX | $XXX | CA | 5/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624731 | XXX | XXX | XXX | $XXX | NC | 6/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624730 | XXX | XXX | XXX | $XXX | TX | 3/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624729 | XXX | XXX | XXX | $XXX | NC | 3/XX/2007 | Primary | Purchase |  | 2 | [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624727 | XXX | XXX | XXX | $XXX | CT | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624726 | XXX | XXX | XXX | $XXX | NM | 7/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624721 | XXX | XXX | XXX | $XXX | MD | 6/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor Initialed by borrower. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624719 | XXX | XXX | XXX | $XXX | NC | 5/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624717 | XXX | XXX | XXX | $XXX | NY | 6/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624715 | XXX | XXX | XXX | $XXX | CA | 3/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624714 | XXX | XXX | XXX | $XXX | RI | 5/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624710 | XXX | XXX | XXX | $XXX | TX | 6/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624709 | XXX | XXX | XXX | $XXX | AR | 9/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 7.57200% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2007) (an overage of $XXX or 2.57200%).<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Federal Compliance - FNMA Points and Fees : High Cost Analysis (D0117) does not show a failed test however it does not appear that any fees were used in computing the test.<br> Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL in file indicated to be final, but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624708 | XXX | XXX | XXX | $XXX | WI | 2/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624707 | XXX | XXX | XXX | $XXX | MO | 1/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624706 | XXX | XXX | XXX | $XXX | TX | 9/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624705 | XXX | XXX | XXX | $XXX | TX | 5/XX/2004 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR HUD Deficiency |
| 285624703 | XXX | XXX | XXX | $XXX | MN | 8/XX/2006 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624702 | XXX | XXX | XXX | $XXX | NY | 12/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624701 | XXX | XXX | XXX | $XXX | TX | 4/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624700 | XXX | XXX | XXX | $XXX | NJ | 4/XX/2005 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624697 | XXX | XXX | XXX | $XXX | CA | 12/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624696 | XXX | XXX | XXX | $XXX | TX | 1/XX/2006 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624695 | XXX | XXX | XXX | $XXX | NC | 3/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624693 | XXX | XXX | XXX | $XXX | TX | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624692 | XXX | XXX | XXX | $XXX | TX | 12/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624691 | XXX | XXX | XXX | $XXX | FL | 1/XX/2004 | Second Home | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624690 | XXX | XXX | XXX | $XXX | NM | 4/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624688 | XXX | XXX | XXX | $XXX | SC | 12/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624687 | XXX | XXX | XXX | $XXX | NC | 10/XX/2006 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624686 | XXX | XXX | XXX | $XXX | MA | 12/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624684 | XXX | XXX | XXX | $XXX | SC | 3/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624683 | XXX | XXX | XXX | $XXX | NM | 12/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624681 | XXX | XXX | XXX | $XXX | MO | 11/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624679 | XXX | XXX | XXX | $XXX | MO | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine cause of under-disclosure due to missing itemization of amount financed. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624677 | XXX | XXX | XXX | $XXX | CA | 11/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624676 | XXX | XXX | XXX | $XXX | NJ | 5/XX/2007 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624674 | XXX | XXX | XXX | $XXX | TN | 2/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2002. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624673 | XXX | XXX | XXX | $XXX | MI | 9/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624672 | XXX | XXX | XXX | $XXX | LA | 4/XX/2001 | Primary | Refinance Rate/Term |  | 2 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided<br> [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided<br> [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [1] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2000. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a recording/courier fee of $XXX and a tax research fee of $XXX as prepaid finance charge |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624671 | XXX | XXX | XXX | $XXX | OK | 11/XX/2001 | Primary | Refinance Rate/Term |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.20052% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 1.20052%).<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2001. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624668 | XXX | XXX | XXX | $XXX | GA | 6/XX/2002 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624664 | XXX | XXX | XXX | $XXX | NY | 9/XX/2002 | Primary | UTD UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2002 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Out | Indeterminable D |
| 285624663 | XXX | XXX | XXX | $XXX | PA | 9/XX/1997 | UTD | UTD UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/1997 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/1997. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Out | Indeterminable D |
| 285624662 | XXX | XXX | XXX | $XXX | NJ | 8/XX/1999 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1999 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.: no appraisal documents in file |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 285624659 | XXX | XXX | XXX | $XXX | NC | 9/XX/2001 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2001. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624658 | XXX | XXX | XXX | $XXX | WA | 1/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | File does not contain either Preliminary or Final Title. |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624657 | XXX | XXX | XXX | $XXX | MT | 7/XX/2011 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: RESPA (2010): Interest Rate on Final HUD-1 does not match Note.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624857 | XXX | XXX | XXX | $XXX | MI | 9/XX/2000 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2000. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624859 | XXX | XXX | XXX | $XXX | AR | 3/XX/2002 | Primary | Purchase |  | 2 | [3] Government Documentation - FHA - Amendatory Clause is not compliant.: Disclosure: FHA - Amendatory Clause (Government Documents)<br> [3] Government Documentation - FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents)<br> [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624860 | XXX | XXX | XXX | $XXX | NC | 6/XX/2001 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624863 | XXX | XXX | XXX | $XXX | AZ | 7/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2003, prior to three (3) business days from transaction date of 07/XX/2003.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624864 | XXX | XXX | XXX | $XXX | CO | 7/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624865 | XXX | XXX | XXX | $XXX | AL | 4/XX/2003 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2003 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2002. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624866 | XXX | XXX | XXX | $XXX | NC | 7/XX/2003 | Primary | Purchase |  | 1 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003. |  |  |  |  |  |  | - B |
| 285624868 | XXX | XXX | XXX | $XXX | NC | 9/XX/2003 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] State Compliance - North Carolina CHL Tangible Net Benefit Test: North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2003. |  |  | State Compliance - North Carolina CHL Tangible Net Benefit Test: Assignee liability is unclear. A holder of the loan may be exposed to the consequences if the loan is deemed usurious, resulting in forfeiture of all interest and return of twice the interest paid, or if the violation constitutes a deceptive act or practice, subjecting the holder to treble damages, but not both.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | Out | State - NC |
| 285624870 | XXX | XXX | XXX | $XXX | IN | 10/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624871 | XXX | XXX | XXX | $XXX | FL | 3/XX/2004 | Primary | Purchase |  | 1 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624876 | XXX | XXX | XXX | $XXX | ID | 2/XX/2005 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. |  |  | Federal Compliance - ARM Disclosure Compliant: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): The Residential Mortgage Practices Act does not appear to provide for assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624879 | XXX | XXX | XXX | $XXX | GA | 6/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624880 | XXX | XXX | XXX | $XXX | CA | 5/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624881 | XXX | XXX | XXX | $XXX | IL | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624882 | XXX | XXX | XXX | $XXX | PA | 7/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | No | In | TNR Testing Not Required D |
| 285624883 | XXX | XXX | XXX | $XXX | CA | 7/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | Yes | Out | TR Indeterminable D |
| 285624884 | XXX | XXX | XXX | $XXX | IL | 8/XX/2005 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624885 | XXX | XXX | XXX | $XXX | CT | 7/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. |  |  | Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624886 | XXX | XXX | XXX | $XXX | CT | 8/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624887 | XXX | XXX | XXX | $XXX | NJ | 8/XX/2005 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624888 | XXX | XXX | XXX | $XXX | WA | 8/XX/2005 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624890 | XXX | XXX | XXX | $XXX | CA | 11/XX/2005 | Investment | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  | No | In | TNR Testing Not Required D |
| 285624891 | XXX | XXX | XXX | $XXX | MI | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624892 | XXX | XXX | XXX | $XXX | IN | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. |  |  |  |  |  |  | - B |
| 285624893 | XXX | XXX | XXX | $XXX | VA | 2/XX/2006 | Investment | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disparity in Occupancy: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment) | Federal Compliance - Disparity in Occupancy: Both initial and final loan application section VIII letter L shows "Yes" to intend to occupy the property as primary residence. Compliance testing completed using occupancy of Primary with no high cost impact. |  |  |  |  |  | - B |
| 285624894 | XXX | XXX | XXX | $XXX | MD | 4/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. |  |  |  |  |  |  | - B |
| 285624896 | XXX | XXX | XXX | $XXX | VA | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624898 | XXX | XXX | XXX | $XXX | VA | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624899 | XXX | XXX | XXX | $XXX | WA | 11/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624900 | XXX | XXX | XXX | $XXX | CA | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624901 | XXX | XXX | XXX | $XXX | AZ | 6/XX/2006 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624905 | XXX | XXX | XXX | $XXX | CA | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624906 | XXX | XXX | XXX | $XXX | CA | 5/XX/2006 | Primary | Refinance Cash-out - Home Improvement |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624907 | XXX | XXX | XXX | $XXX | CA | 5/XX/2006 | Primary | Refinance Cash-out - Home Improvement |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624908 | XXX | XXX | XXX | $XXX | IL | 9/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624909 | XXX | XXX | XXX | $XXX | MD | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. |  |  |  |  |  |  | - B |
| 285624910 | XXX | XXX | XXX | $XXX | OR | 9/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624911 | XXX | XXX | XXX | $XXX | CT | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624912 | XXX | XXX | XXX | $XXX | MD | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624913 | XXX | XXX | XXX | $XXX | AZ | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624914 | XXX | XXX | XXX | $XXX | FL | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624915 | XXX | XXX | XXX | $XXX | CA | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The itemization of amount financed did not include the email fee of $XXX as a prepaid finance charge. The prepaid interest on the HUD was $XXX, the itemization indicated $XXX. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624916 | XXX | XXX | XXX | $XXX | CA | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625628 | XXX | XXX | XXX | $XXX | NY | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624917 | XXX | XXX | XXX | $XXX | TX | 4/XX/2007 | Primary | Purchase |  | 1 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624923 | XXX | XXX | XXX | $XXX | WA | 11/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624924 | XXX | XXX | XXX | $XXX | CA | 12/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  | - B |
| 285624927 | XXX | XXX | XXX | $XXX | MI | 7/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624928 | XXX | XXX | XXX | $XXX | PA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624929 | XXX | XXX | XXX | $XXX | WA | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624930 | XXX | XXX | XXX | $XXX | TX | 8/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624931 | XXX | XXX | XXX | $XXX | CA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624932 | XXX | XXX | XXX | $XXX | OH | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s).<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | State Compliance - Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  |  | - B |
| 285624934 | XXX | XXX | XXX | $XXX | TN | 8/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624935 | XXX | XXX | XXX | $XXX | MD | 9/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624936 | XXX | XXX | XXX | $XXX | CA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624938 | XXX | XXX | XXX | $XXX | CA | 9/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624939 | XXX | XXX | XXX | $XXX | NM | 10/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624940 | XXX | XXX | XXX | $XXX | FL | 9/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624941 | XXX | XXX | XXX | $XXX | MD | 10/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624943 | XXX | XXX | XXX | $XXX | SC | 3/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  |  | - B |
| 285624944 | XXX | XXX | XXX | $XXX | LA | 4/XX/2008 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008. |  |  |  |  |  |  | - B |
| 285624946 | XXX | XXX | XXX | $XXX | CA | 8/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2008. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624948 | XXX | XXX | XXX | $XXX | MA | 2/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [1] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624950 | XXX | XXX | XXX | $XXX | NY | 1/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an assignment recording fee of $XXX as a prepaid finance charge. |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624952 | XXX | XXX | XXX | $XXX | NC | 4/XX/2008 | Second Home | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624953 | XXX | XXX | XXX | $XXX | MD | 4/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624954 | XXX | XXX | XXX | $XXX | VA | 4/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624955 | XXX | XXX | XXX | $XXX | MA | 9/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624956 | XXX | XXX | XXX | $XXX | FL | 7/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 6.95467% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2009). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2009) (an overage of $XXX or 1.95467%).<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624957 | XXX | XXX | XXX | $XXX | NJ | 8/XX/2011 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose the prepaid interest of $XXX or the subordination recording fee of $XXX as prepaid finance charges. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624960 | XXX | XXX | XXX | $XXX | FL | 7/XX/2008 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL signed by all required parties is blank<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - ARM Disclosure Status: No date or signature on ARM disclosure.<br> Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: ABA not signed by borrower.<br> Closing / Title - (Doc Error) TIL Error: Final TIL signed by all required parties is blank: TIL appears to be final but not signed or initialed by borrower.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed |  | Federal Compliance - ARM Disclosure Compliant: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL signed by all required parties is blank: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624961 | XXX | XXX | XXX | $XXX | CA | 5/XX/2008 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624962 | XXX | XXX | XXX | $XXX | MI | 10/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624964 | XXX | XXX | XXX | $XXX | PA | 11/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624965 | XXX | XXX | XXX | $XXX | CT | 9/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624966 | XXX | XXX | XXX | $XXX | MO | 6/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624968 | XXX | XXX | XXX | $XXX | CA | 11/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624969 | XXX | XXX | XXX | $XXX | MD | 8/XX/2007 | Investment | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: HUD is marked Estimated. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required D |
| 285624970 | XXX | XXX | XXX | $XXX | MO | 9/XX/2006 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624971 | XXX | XXX | XXX | $XXX | NJ | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624972 | XXX | XXX | XXX | $XXX | SC | 3/XX/2008 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624975 | XXX | XXX | XXX | $XXX | FL | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624976 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine reason for under-disclosure as no Itemization of Amount Financed provided.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624977 | XXX | XXX | XXX | $XXX | MA | 2/XX/2008 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624978 | XXX | XXX | XXX | $XXX | MD | 10/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624980 | XXX | XXX | XXX | $XXX | MO | 2/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624981 | XXX | XXX | XXX | $XXX | TX | 6/XX/2006 | Primary | Purchase |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | File does not contain either Preliminary or Final Title. |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624983 | XXX | XXX | XXX | $XXX | IL | 11/XX/2006 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624984 | XXX | XXX | XXX | $XXX | FL | 7/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624986 | XXX | XXX | XXX | $XXX | TX | 12/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624987 | XXX | XXX | XXX | $XXX | NC | 2/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624988 | XXX | XXX | XXX | $XXX | NY | 10/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 285624989 | XXX | XXX | XXX | $XXX | AZ | 1/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624990 | XXX | XXX | XXX | $XXX | SC | 6/XX/2006 | Primary | Purchase |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624991 | XXX | XXX | XXX | $XXX | MD | 7/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624992 | XXX | XXX | XXX | $XXX | TX | 4/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624993 | XXX | XXX | XXX | $XXX | NM | 1/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624997 | XXX | XXX | XXX | $XXX | NC | 11/XX/2006 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624998 | XXX | XXX | XXX | $XXX | MD | 4/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625000 | XXX | XXX | XXX | $XXX | TN | 9/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625001 | XXX | XXX | XXX | $XXX | MD | 12/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625002 | XXX | XXX | XXX | $XXX | CA | 2/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed or initial by borrower |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625003 | XXX | XXX | XXX | $XXX | TX | 8/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625004 | XXX | XXX | XXX | $XXX | NJ | 3/XX/2008 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625006 | XXX | XXX | XXX | $XXX | NC | 7/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625008 | XXX | XXX | XXX | $XXX | FL | 8/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625009 | XXX | XXX | XXX | $XXX | NC | 1/XX/2005 | Primary | Refinance Rate/Term |  | 3 | [1] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  | 3 | [3] State Compliance - North Carolina CHL Tangible Net Benefit Test: North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. |  |  | State Compliance - North Carolina CHL Tangible Net Benefit Test: Assignee liability is unclear. A holder of the loan may be exposed to the consequences if the loan is deemed usurious, resulting in forfeiture of all interest and return of twice the interest paid, or if the violation constitutes a deceptive act or practice, subjecting the holder to treble damages, but not both.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | Out | State - NC |
| 285625010 | XXX | XXX | XXX | $XXX | TX | 7/XX/2006 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625012 | XXX | XXX | XXX | $XXX | SC | 7/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625013 | XXX | XXX | XXX | $XXX | CT | 8/XX/2005 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625015 | XXX | XXX | XXX | $XXX | TX | 3/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.: No valuation in the loan file.<br> Miscellaneous Compliance - (Doc Error) Initial GFE not provided: All GFEs missing from the loan file. |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625016 | XXX | XXX | XXX | $XXX | TX | 4/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625017 | XXX | XXX | XXX | $XXX | NC | 2/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625018 | XXX | XXX | XXX | $XXX | TX | 6/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | Out | TR Indeterminable D |
| 285625019 | XXX | XXX | XXX | $XXX | VA | 10/XX/2006 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625021 | XXX | XXX | XXX | $XXX | CT | 6/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625022 | XXX | XXX | XXX | $XXX | DC | 8/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625023 | XXX | XXX | XXX | $XXX | TX | 5/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625025 | XXX | XXX | XXX | $XXX | AZ | 11/XX/2004 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 285625026 | XXX | XXX | XXX | $XXX | SC | 4/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625027 | XXX | XXX | XXX | $XXX | CT | 9/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | Out | TR HUD Deficiency |
| 285625028 | XXX | XXX | XXX | $XXX | MI | 8/XX/2001 | Primary | Refinance UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2001 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 285625029 | XXX | XXX | XXX | $XXX | IL | 9/XX/2006 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625030 | XXX | XXX | XXX | $XXX | IL | 4/XX/2007 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625031 | XXX | XXX | XXX | $XXX | SC | 5/XX/2001 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Miscellaneous Compliance - (Doc Error) RTC Error: Right to Cancel expiration date is blank.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2001, prior to three (3) business days from transaction date of 05/XX/2001.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Unable to test RTC expiration date due to missing information.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2000. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an attorney fee of $XXX a purpose not disclosed fee of $XXX, a courier fee of $XXX and a wire fee of $XXX as prepaid finance charges |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Miscellaneous Compliance - (Doc Error) RTC Error: Right to Cancel expiration date is blank.: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285625032 | XXX | XXX | XXX | $XXX | SC | 7/XX/2001 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 | [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2001. |  |  |  |  |  |  | - B |
| 285625034 | XXX | XXX | XXX | $XXX | MI | 5/XX/2005 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  |  | - B |
| 285625037 | XXX | XXX | XXX | $XXX | MA | 5/XX/2000 | UTD | UTD UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2000 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Out | Indeterminable D |
| 285625038 | XXX | XXX | XXX | $XXX | PA | 3/XX/2004 | UTD | UTD UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Out | Indeterminable D |
| 285625039 | XXX | XXX | XXX | $XXX | NM | 8/XX/2001 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2001. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625040 | XXX | XXX | XXX | $XXX | SC | 4/XX/2001 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2000. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625041 | XXX | XXX | XXX | $XXX | TX | 11/XX/1999 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625042 | XXX | XXX | XXX | $XXX | NC | 12/XX/2001 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2001 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 285625043 | XXX | XXX | XXX | $XXX | NC | 1/XX/2002 | UTD | Refinance UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file<br> [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | Loan File - (Missing Doc) Incomplete loan images/file: The Note provided odes not include ARM elements for review including but not limited to Index, Margin, Initial, Life Maximum and Periodic Caps.<br> Compliance testing not completed. |  |  |  | UTD | Out | Indeterminable D |
| 285625044 | XXX | XXX | XXX | $XXX | KS | 2/XX/2002 | Primary | Refinance UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - (Missing Data) Missing Information to Determine LTV: Unable to determine LTV or CLTV due to missing information. State compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2002 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  | Yes | Out | Indeterminable D |
| 285625045 | XXX | XXX | XXX | $XXX | FL | 6/XX/1998 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] General Appraisal Requirements - Incorrect Appraisal Form type: Appraisal Form 2055 (Exterior Only) used for incorrect Subject property type.: Valuation Type: Drive By / Valuation Report Date: 06/XX/1998 Mobile Home (Single-Wide) | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/1998 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/1997. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  | No | In | TNR Testing Not Required D |
| 285625048 | XXX | XXX | XXX | $XXX | MA | 6/XX/2009 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2008. |  |  |  |  |  |  | - B |
| 285624853 | XXX | XXX | XXX | $XXX | NC | 4/XX/2001 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2000. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624834 | XXX | XXX | XXX | $XXX | CA | 1/XX/2005 | Primary | Refinance Cash-out - Home Improvement |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624833 | XXX | XXX | XXX | $XXX | KY | 4/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624823 | XXX | XXX | XXX | $XXX | CA | 7/XX/2005 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624816 | XXX | XXX | XXX | $XXX | CA | 12/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Incorrect Appraisal Form type: Appraisal Form 1073/465 used for incorrect Subject property type.: Valuation Type: Appraisal / Valuation Report Date: 11/XX/2005 Single Family Detached |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624773 | XXX | XXX | XXX | $XXX | GA | 10/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  | - B |
| 285624766 | XXX | XXX | XXX | $XXX | FL | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624720 | XXX | XXX | XXX | $XXX | TX | 5/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.31840% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2007) (an overage of $XXX or .31840%).<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624669 | XXX | XXX | XXX | $XXX | LA | 3/XX/2002 | Primary | Refinance Rate/Term |  | 2 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624654 | XXX | XXX | XXX | $XXX | FL | 6/XX/2006 | Investment | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285624655 | XXX | XXX | XXX | $XXX | FL | 3/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285624656 | XXX | XXX | XXX | $XXX | TX | 9/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  | - B |
| 285625623 | XXX | XXX | XXX | $XXX | CA | 12/XX/2018 | Primary | Purchase | Non QM | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/12/XX/2018)<br> [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/12/XX/2018) | Federal Compliance - TRID Final Closing Disclosure Closing Date: Final CD dated 12/XX/2018, closing date 12/XX/2018. Acceptable. | BUYER - WAIVED COMMENT (2019/XX/14): Original appraisal completed 11.19.2018 - Borrower acknowledgement based on that date - Appraisal revision required to show seller credt completed on 12.XX.2018<br> BUYER - WAIVED COMMENT (2019/XX/14): Close date ois 12.XX.2018 - PCCD issued 12.XX.2018 to verify correct close date | Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative |  |  |  | - B |
| 285625067 | XXX | XXX | XXX | $XXX | IL | 8/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004. |  |  |  |  |  |  | - B |
| 285625064 | XXX | XXX | XXX | $XXX | MO | 11/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625050 | XXX | XXX | XXX | $XXX | NY | 6/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003. |  |  | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | Yes | Out | TR Indeterminable D |
| 285625070 | XXX | XXX | XXX | $XXX | NC | 8/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  | - B |
| 285625060 | XXX | XXX | XXX | $XXX | OH | 6/XX/2007 | Primary | UTD UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] State Compliance - Ohio CSPA Tangible Net Benefit Test: Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  |  | - B |
| 285625061 | XXX | XXX | XXX | $XXX | MD | 11/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625059 | XXX | XXX | XXX | $XXX | MD | 8/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625062 | XXX | XXX | XXX | $XXX | GA | 9/XX/1999 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/1999. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625058 | XXX | XXX | XXX | $XXX | RI | 11/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004. |  |  |  |  |  |  | - B |
| 285625049 | XXX | XXX | XXX | $XXX | TX | 2/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625068 | XXX | XXX | XXX | $XXX | MD | 2/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625065 | XXX | XXX | XXX | $XXX | MO | 7/XX/2009 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2009. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625063 | XXX | XXX | XXX | $XXX | NY | 10/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.<br> [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  | - B |
| 285625625 | XXX | XXX | XXX | $XXX | TN | 11/XX/2017 | Primary | Purchase | Non QM | 3 | [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX.<br> [3] Miscellaneous - Credit Exception:<br> [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX | The loan file did not contain any asset documentation.<br> Please provide evidence home buyer education requirements have been met for this purchase transaction. | BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive. | [1] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  | 3 | [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [2] Federal Compliance - Appraisal Flipped Property Missing Information: Last Sales Price or Last Sales Date from the Primary Valuation or Contract Sales Price or Contract Sales Date are missing. Unable to determine compliance with TIL HPML Flipped Property Requirements.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/11/XX/2017)<br> [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.19670% or Final Disclosure APR of 10.23100% is in excess of allowable threshold of APOR 3.92% + 1.5%, or 5.42000%. Non-Compliant Higher Priced Mortgage Loan.<br> [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.<br> [2] Federal Compliance - TIL HPML Appraisal Disclosure - HPML Status: HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.<br> [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely): Unable to determine compliance with timely delivery of valuation to borrower due to missing information.<br> [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property.<br> [2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 11/XX/2017 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/11/XX/2017)<br> [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7725)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7724)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77190)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77181)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77173)<br> [1] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.<br> [1] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/2600331)<br> [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/XX/2017)<br> [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.<br> [1] Federal Compliance - TRID Servicing Disclosure Status: File does not evidence the consumer was provided with the Servicing Disclosure. | Federal Compliance - QM DTI: Loan designation was not provided. Loan DTI exceeds 43% as required per appendix Q.<br> Federal Compliance - Appraisal Flipped Property Missing Information: Last sale date of the subject could not be verified due to missing the appraisal.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): No evidence that the AVM was provided to the borrower as required.<br> Federal Compliance - TIL HPML Appraisal Disclosure - HPML Status: Evidence of borrower receipt was not found in the loan file.<br> Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): A appraisal was not provided.<br> Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: The Lender Contact was not provided on the final CD.<br> Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: Loan Estimate was not evidenced in the loan file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Estimate was not evidenced in the loan file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Estimate was not evidenced in the loan file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Estimate was not evidenced in the loan file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Estimate was not evidenced in the loan file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Estimate was not evidenced in the loan file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Estimate was not evidenced in the loan file.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: Evidence of borrower receipt was not found in the loan file.<br> Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: File is missing information verifying 2 years of employment as required per appendix Q.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Loan Estimate was not evidenced in the loan file.<br> Federal Compliance - TRID Home Loan Toolkit Provided: Evidence of borrower receipt was not found in the loan file.<br> Federal Compliance - TRID Servicing Disclosure Status: Evidence of borrower receipt was not found in the loan file. | BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/26): Email Communication<br> REVIEWER - GENERAL COMMENT (2019/XX/29): Seller comment states that Email correspondence was provided however it was not provided. Exception remains pending proof of delivery.<br> BUYER - GENERAL COMMENT (2019/XX/07): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/07): Client elects to waive requirements.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Cleared<br> REVIEWER - GENERAL COMMENT (2019/XX/17): Creditor did not provide List of Homeownership Counseling Organizations to borrower. This is not cleared.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive.<br> BUYER - GENERAL COMMENT (2019/XX/17): Waived<br> REVIEWER - WAIVED COMMENT (2019/XX/18): Client elects to waive. | Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL HPML Appraisal Disclosure - HPML Status: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Home Loan Toolkit Provided: TILA - 1yr affirmative. |  |  | Out | TILA ATR/QM C |
| 285625118 | XXX | XXX | XXX | $XXX | FL | 9/XX/1997 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625119 | XXX | XXX | XXX | $XXX | FL | 2/XX/2009 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625618 | XXX | XXX | XXX | $XXX | FL | 9/XX/2008 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625120 | XXX | XXX | XXX | $XXX | FL | 11/XX/2009 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625121 | XXX | XXX | XXX | $XXX | FL | 3/XX/2008 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625123 | XXX | XXX | XXX | $XXX | FL | 12/XX/2009 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625091 | XXX | XXX | XXX | $XXX | NY | 7/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625115 | XXX | XXX | XXX | $XXX | FL | 6/XX/2005 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 285625077 | XXX | XXX | XXX | $XXX | GA | 7/XX/2000 | Primary | UTD UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2000 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2000. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Out | Indeterminable D |
| 285625110 | XXX | XXX | XXX | $XXX | NC | 2/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625073 | XXX | XXX | XXX | $XXX | MI | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625111 | XXX | XXX | XXX | $XXX | TX | 5/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625082 | XXX | XXX | XXX | $XXX | MD | 5/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625079 | XXX | XXX | XXX | $XXX | MO | 1/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.56924% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .56924%).<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625093 | XXX | XXX | XXX | $XXX | NM | 11/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625084 | XXX | XXX | XXX | $XXX | FL | 8/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625076 | XXX | XXX | XXX | $XXX | DC | 3/XX/1999 | Second Home | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not include $XXX Settlement fee and $XXX Courier fee in the prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625094 | XXX | XXX | XXX | $XXX | TX | 6/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625114 | XXX | XXX | XXX | $XXX | MA | 11/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625116 | XXX | XXX | XXX | $XXX | OH | 6/XX/2000 | Primary | Purchase |  | 1 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] General Appraisal Requirements - Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type.: Valuation Type: Appraisal / Valuation Report Date: 05/XX/2000 2 Family |  | REVIEWER - GENERAL COMMENT (2019/XX/25): Client provided copy of 1003 but it is same as the one in file, signed and dated 5/XX/2000 versus Note Date of 6/XX/2000 so appears to be initial 1003, not final. Exception remains. |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2000. |  |  |  |  |  |  | - B |
| 285625112 | XXX | XXX | XXX | $XXX | TN | 6/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625083 | XXX | XXX | XXX | $XXX | PA | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose the Other Escrows fee of $XXX as a prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625099 | XXX | XXX | XXX | $XXX | PA | 1/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625088 | XXX | XXX | XXX | $XXX | FL | 1/XX/2008 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625104 | XXX | XXX | XXX | $XXX | AR | 7/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625109 | XXX | XXX | XXX | $XXX | AZ | 12/XX/2007 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625095 | XXX | XXX | XXX | $XXX | MA | 3/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625089 | XXX | XXX | XXX | $XXX | TX | 3/XX/2008 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625078 | XXX | XXX | XXX | $XXX | FL | 10/XX/2001 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2001. |  |  |  |  |  |  | - B |
| 285625107 | XXX | XXX | XXX | $XXX | GA | 7/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625080 | XXX | XXX | XXX | $XXX | HI | 7/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625629 | XXX | XXX | XXX | $XXX | NY | 3/XX/2008 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625097 | XXX | XXX | XXX | $XXX | MA | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine reason for under disclosure due to missing itemization of amount financed. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625071 | XXX | XXX | XXX | $XXX | NJ | 12/XX/2003 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625117 | XXX | XXX | XXX | $XXX | CA | 10/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625106 | XXX | XXX | XXX | $XXX | GA | 6/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625090 | XXX | XXX | XXX | $XXX | CA | 3/XX/2008 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | Out | TR Indeterminable D |
| 285625105 | XXX | XXX | XXX | $XXX | SC | 3/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625394 | XXX | XXX | XXX | $XXX | NY | 1/XX/2013 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2012. |  |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625399 | XXX | XXX | XXX | $XXX | MI | 11/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 10/XX/2013 |  |  |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Unable to test counseling agencies list due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [1] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625333 | XXX | XXX | XXX | $XXX | CA | 8/XX/2007 | Primary | Refinance Cash-out - Home Improvement |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  | - B |
| 285625334 | XXX | XXX | XXX | $XXX | KY | 8/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  |  | - B |
| 285625182 | XXX | XXX | XXX | $XXX | AL | 11/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. |  |  |  |  |  |  | - B |
| 285625396 | XXX | XXX | XXX | $XXX | FL | 7/XX/2013 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. |  |  | Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625369 | XXX | XXX | XXX | $XXX | AZ | 2/XX/2008 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625383 | XXX | XXX | XXX | $XXX | MD | 5/XX/2008 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007. |  |  |  |  |  |  | - B |
| 285625143 | XXX | XXX | XXX | $XXX | TX | 1/XX/2003 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2002. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285625156 | XXX | XXX | XXX | $XXX | MI | 9/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. |  |  |  |  |  |  | - B |
| 285625320 | XXX | XXX | XXX | $XXX | GA | 5/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Finance charges under disclosed by $XXX which exceeds the $XXX for purchase. TIL Itemization disclosed the Attorney's Fee as $XXX and HUD reflects $XXX, and did not disclose the GA Residential Mortgage Fee of $XXX as prepaid finance charges. Also, the calculated payment stream reflects MI premium being collected for 17 years and Final TIL reflects 15 years of MI premiums at the base rate of 0.960%. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625285 | XXX | XXX | XXX | $XXX | ME | 3/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the fee under disclosure due to missing the itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625270 | XXX | XXX | XXX | $XXX | MD | 11/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625192 | XXX | XXX | XXX | $XXX | VA | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625250 | XXX | XXX | XXX | $XXX | GA | 9/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625291 | XXX | XXX | XXX | $XXX | MI | 2/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625306 | XXX | XXX | XXX | $XXX | MI | 4/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625307 | XXX | XXX | XXX | $XXX | NM | 4/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.<br> [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Finance Charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625323 | XXX | XXX | XXX | $XXX | FL | 7/XX/2007 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to final TIL reflects MI dropping off after 180 months and audit reflects MI dropping off after 210 months |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625329 | XXX | XXX | XXX | $XXX | OR | 7/XX/2007 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625335 | XXX | XXX | XXX | $XXX | NM | 8/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625356 | XXX | XXX | XXX | $XXX | MD | 10/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625148 | XXX | XXX | XXX | $XXX | MI | 5/XX/2003 | Primary | Refinance UTD |  | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 285625206 | XXX | XXX | XXX | $XXX | FL | 10/XX/2005 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625177 | XXX | XXX | XXX | $XXX | NV | 10/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625185 | XXX | XXX | XXX | $XXX | NV | 1/XX/2005 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625198 | XXX | XXX | XXX | $XXX | FL | 7/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. |  |  |  |  |  |  | - B |
| 285625209 | XXX | XXX | XXX | $XXX | MI | 10/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625410 | XXX | XXX | XXX | $XXX | MD | 4/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625229 | XXX | XXX | XXX | $XXX | VA | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625411 | XXX | XXX | XXX | $XXX | MS | 5/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625236 | XXX | XXX | XXX | $XXX | IL | 6/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625240 | XXX | XXX | XXX | $XXX | AZ | 7/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625248 | XXX | XXX | XXX | $XXX | IL | 9/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625258 | XXX | XXX | XXX | $XXX | FL | 10/XX/2006 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625414 | XXX | XXX | XXX | $XXX | NV | 11/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 | [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  |  | - B |
| 285625416 | XXX | XXX | XXX | $XXX | IN | 1/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization only disclosed origination charges in the amount of $XXX and final HUD reflects $XXX. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625279 | XXX | XXX | XXX | $XXX | CA | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625282 | XXX | XXX | XXX | $XXX | AL | 2/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  | - B |
| 285625283 | XXX | XXX | XXX | $XXX | MO | 3/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  |  | - B |
| 285625300 | XXX | XXX | XXX | $XXX | NC | 3/XX/2007 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625284 | XXX | XXX | XXX | $XXX | GA | 2/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625303 | XXX | XXX | XXX | $XXX | PA | 4/XX/2007 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625310 | XXX | XXX | XXX | $XXX | NE | 5/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625309 | XXX | XXX | XXX | $XXX | VA | 5/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): The secondary market purchase of a loan does not trigger coverage of the statute. |  |  |  | - B |
| 285625304 | XXX | XXX | XXX | $XXX | MD | 4/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625311 | XXX | XXX | XXX | $XXX | TX | 4/XX/2007 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  | - B |
| 285625327 | XXX | XXX | XXX | $XXX | IL | 6/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625315 | XXX | XXX | XXX | $XXX | TX | 5/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625326 | XXX | XXX | XXX | $XXX | TX | 7/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  | - B |
| 285625343 | XXX | XXX | XXX | $XXX | NJ | 7/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625349 | XXX | XXX | XXX | $XXX | TX | 9/XX/2007 | Primary | Purchase |  | 1 | [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  | - B |
| 285625337 | XXX | XXX | XXX | $XXX | GA | 7/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  | - B |
| 285625348 | XXX | XXX | XXX | $XXX | SC | 9/XX/2007 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  |  | - B |
| 285625344 | XXX | XXX | XXX | $XXX | IL | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  | - B |
| 285625135 | XXX | XXX | XXX | $XXX | NY | 2/XX/2002 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a Closing Attorney Fee in the amount of $XXX and a Courier Fee in the amount of $XXX as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625136 | XXX | XXX | XXX | $XXX | PA | 2/XX/2002 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose an Application fee of $XXX a Closing Protection Letter fee of $XXX and an Underwriting fee of $XXX partially offset by an itemized Underwriting fee of $XXX and Lender Credit to Borrower of $XXX as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625144 | XXX | XXX | XXX | $XXX | NY | 2/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625165 | XXX | XXX | XXX | $XXX | NY | 2/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose the attorney fee of $XXX as a prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625171 | XXX | XXX | XXX | $XXX | DE | 9/XX/2004 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. |  |  |  |  |  |  | - B |
| 285625204 | XXX | XXX | XXX | $XXX | MI | 3/XX/2005 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  | Federal Compliance - ARM Disclosure Compliant: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625211 | XXX | XXX | XXX | $XXX | VA | 12/XX/2005 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The under disclosure is due to the lender not including a portion of the settlement fee ($XXX) and release tracking fee ($XXX) in the finance charge calculations. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625214 | XXX | XXX | XXX | $XXX | VA | 2/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625223 | XXX | XXX | XXX | $XXX | TN | 4/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625225 | XXX | XXX | XXX | $XXX | MI | 5/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625226 | XXX | XXX | XXX | $XXX | KS | 5/XX/2006 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 285625227 | XXX | XXX | XXX | $XXX | TX | 4/XX/2006 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  |  |  |  |  | - B |
| 285625231 | XXX | XXX | XXX | $XXX | AZ | 6/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625235 | XXX | XXX | XXX | $XXX | WA | 6/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625234 | XXX | XXX | XXX | $XXX | FL | 7/XX/2006 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. |  |  |  |  |  |  | - B |
| 285625238 | XXX | XXX | XXX | $XXX | IL | 2/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. |  |  | Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625271 | XXX | XXX | XXX | $XXX | RI | 1/XX/2007 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625277 | XXX | XXX | XXX | $XXX | FL | 10/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  | - B |
| 285625308 | XXX | XXX | XXX | $XXX | TX | 6/XX/2007 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625318 | XXX | XXX | XXX | $XXX | NY | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625322 | XXX | XXX | XXX | $XXX | CT | 6/XX/2007 | Primary | Purchase |  | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided |  |  |  |  |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  | Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625358 | XXX | XXX | XXX | $XXX | IL | 11/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625359 | XXX | XXX | XXX | $XXX | NJ | 11/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an Attorney Fee of $XXX as a prepaid finance charge also TIL Itemization only disclosed Courier Fee in the amount of $XXX and Final HUD reflects $XXX. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625361 | XXX | XXX | XXX | $XXX | MD | 10/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  | - B |
| 285625363 | XXX | XXX | XXX | $XXX | WA | 12/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625371 | XXX | XXX | XXX | $XXX | FL | 2/XX/2008 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625375 | XXX | XXX | XXX | $XXX | OH | 3/XX/2008 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 | [1] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  | State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  |  | - B |
| 285625376 | XXX | XXX | XXX | $XXX | AZ | 2/XX/2008 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  |  | - B |
| 285625378 | XXX | XXX | XXX | $XXX | NY | 3/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625381 | XXX | XXX | XXX | $XXX | AZ | 4/XX/2008 | Primary | Refinance Rate/Term |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008. |  |  |  |  |  |  | - B |
| 285625386 | XXX | XXX | XXX | $XXX | ME | 7/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625387 | XXX | XXX | XXX | $XXX | ME | 9/XX/2008 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  | - B |
| 285625392 | XXX | XXX | XXX | $XXX | ID | 11/XX/2010 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625393 | XXX | XXX | XXX | $XXX | MD | 9/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2012. |  |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625417 | XXX | XXX | XXX | $XXX | LA | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 06/XX/2007 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 285625124 | XXX | XXX | XXX | $XXX | PA | 10/XX/1998 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/1998. |  |  |  |  |  |  | - B |
| 285625125 | XXX | XXX | XXX | $XXX | AZ | 11/XX/1998 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/1998. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625126 | XXX | XXX | XXX | $XXX | NC | 5/XX/1999 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/1999. |  |  | Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625132 | XXX | XXX | XXX | $XXX | IN | 11/XX/2001 | Primary | Purchase |  | 1 | [3] Credit Documentation - Missing Document: Credit Report not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625134 | XXX | XXX | XXX | $XXX | AL | 12/XX/2001 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625142 | XXX | XXX | XXX | $XXX | NY | 12/XX/2002 | Investment | Refinance Cash-out - Other |  | 1 | [3] Credit Documentation - Missing Document: Credit Report not provided |  |  |  |  |  | 1 | [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2002. |  |  |  |  |  |  | - B |
| 285625145 | XXX | XXX | XXX | $XXX | TX | 3/XX/2003 | Primary | Purchase |  | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625146 | XXX | XXX | XXX | $XXX | WA | 3/XX/2003 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization only disclosed prepaid interest charges in the amount of $XXX and final HUD reflects $XXX and settlement/escrow charges in the amount of $XXX and final HUD reflects $XXX. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625150 | XXX | XXX | XXX | $XXX | DE | 7/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625155 | XXX | XXX | XXX | $XXX | NJ | 9/XX/2003 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625158 | XXX | XXX | XXX | $XXX | IL | 10/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625160 | XXX | XXX | XXX | $XXX | MA | 10/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625161 | XXX | XXX | XXX | $XXX | GA | 12/XX/2003 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625162 | XXX | XXX | XXX | $XXX | NJ | 3/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.<br> [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): TILA ROR Form - The Third Circuit has prior rulings that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form. Creditors are required to use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285625167 | XXX | XXX | XXX | $XXX | OR | 3/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625170 | XXX | XXX | XXX | $XXX | GA | 9/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 08/XX/2004<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. |  |  |  |  |  |  | - B |
| 285625173 | XXX | XXX | XXX | $XXX | ID | 9/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. |  |  | State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): The Residential Mortgage Practices Act does not appear to provide for assignee liability. |  |  |  | - B |
| 285625175 | XXX | XXX | XXX | $XXX | OK | 9/XX/2004 | Primary | Refinance Cash-out - Other |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. |  |  |  |  |  |  | - B |
| 285625184 | XXX | XXX | XXX | $XXX | CA | 12/XX/2004 | Primary | Refinance UTD |  | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 285625187 | XXX | XXX | XXX | $XXX | AZ | 3/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625190 | XXX | XXX | XXX | $XXX | NC | 5/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285625195 | XXX | XXX | XXX | $XXX | ME | 5/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625196 | XXX | XXX | XXX | $XXX | MS | 7/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.37500% is underdisclosed from calculated APR of 7.69528% outside of 0.125% tolerance.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Unable to determine under disclosure due to missing itemization of amount financed.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625205 | XXX | XXX | XXX | $XXX | NY | 10/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625210 | XXX | XXX | XXX | $XXX | PA | 11/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  |  |  |  |  | - B |
| 285625219 | XXX | XXX | XXX | $XXX | PA | 3/XX/2006 | Primary | Purchase |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 02/XX/2006<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625220 | XXX | XXX | XXX | $XXX | FL | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  |  | - B |
| 285625230 | XXX | XXX | XXX | $XXX | PA | 5/XX/2006 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  | REVIEWER - GENERAL COMMENT (2019/XX/24): Title fees were not disclosed as finance charges. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625241 | XXX | XXX | XXX | $XXX | NJ | 8/XX/2006 | Primary | Purchase |  | 1 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625243 | XXX | XXX | XXX | $XXX | NY | 8/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a $XXX escrow service fee and a $XXX title pickup fee as prepaid finance charges. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625245 | XXX | XXX | XXX | $XXX | FL | 8/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625263 | XXX | XXX | XXX | $XXX | IL | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. |  |  |  |  |  |  | - B |
| 285625264 | XXX | XXX | XXX | $XXX | FL | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  |  |  |  |  |  | - B |
| 285625268 | XXX | XXX | XXX | $XXX | GA | 12/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625281 | XXX | XXX | XXX | $XXX | CT | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625287 | XXX | XXX | XXX | $XXX | FL | 3/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625302 | XXX | XXX | XXX | $XXX | NJ | 5/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625313 | XXX | XXX | XXX | $XXX | FL | 6/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625321 | XXX | XXX | XXX | $XXX | NY | 7/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  | - B |
| 285625346 | XXX | XXX | XXX | $XXX | NY | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Application / Processing - Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 08/XX/2007 |  |  |  |  |  | 1 | [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.<br> [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  | - B |
| 285625357 | XXX | XXX | XXX | $XXX | WA | 9/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625360 | XXX | XXX | XXX | $XXX | NJ | 10/XX/2007 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  | - B |
| 285625364 | XXX | XXX | XXX | $XXX | IL | 12/XX/2007 | Primary | Refinance Rate/Term |  | 1 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  |  |  |  |  | - B |
| 285625365 | XXX | XXX | XXX | $XXX | IL | 1/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625367 | XXX | XXX | XXX | $XXX | IL | 1/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.<br> [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |  | Yes | Out | TR HUD Deficiency |
| 285625370 | XXX | XXX | XXX | $XXX | TX | 2/XX/2008 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625373 | XXX | XXX | XXX | $XXX | WA | 1/XX/2008 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625374 | XXX | XXX | XXX | $XXX | FL | 2/XX/2008 | Primary | Purchase |  | 1 | [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 1 | [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  |  | - B |
| 285625377 | XXX | XXX | XXX | $XXX | NY | 10/XX/2003 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625380 | XXX | XXX | XXX | $XXX | ME | 11/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625382 | XXX | XXX | XXX | $XXX | PA | 4/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625384 | XXX | XXX | XXX | $XXX | AZ | 5/XX/2008 | Investment | Refinance Rate/Term |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2008. |  |  |  |  |  |  | - B |
| 285625385 | XXX | XXX | XXX | $XXX | PA | 6/XX/2008 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625389 | XXX | XXX | XXX | $XXX | GA | 7/XX/2009 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR HUD Deficiency |
| 285625397 | XXX | XXX | XXX | $XXX | CA | 7/XX/2013 | Second Home | Refinance Rate/Term |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2013. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine reason for underdisclosure due to missing TIL itemization of amount financed. |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625398 | XXX | XXX | XXX | $XXX | MI | 7/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 06/XX/2013<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |  |  |  | - B |
| 285625408 | XXX | XXX | XXX | $XXX | SC | 3/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  | State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625409 | XXX | XXX | XXX | $XXX | IA | 3/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625413 | XXX | XXX | XXX | $XXX | NY | 10/XX/2006 | Primary | Purchase |  | 1 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  |  |  |  |  |  | - B |
| 285625419 | XXX | XXX | XXX | $XXX | IN | 10/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the underdiscloure missing the itemization of financed |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625130 | XXX | XXX | XXX | $XXX | CT | 1/XX/2001 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Courier fee of $XXX is not present on Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625131 | XXX | XXX | XXX | $XXX | OH | 4/XX/2001 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 03/XX/2001 |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the disclosed TIL dropping the monthly MI payment after the 73rd payment and the audited TIL not dropping the monthly MI until after the 75th payment |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625133 | XXX | XXX | XXX | $XXX | MD | 12/XX/2001 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is in the payments. TIL reflects 93 payments with MI while the calcualation payments are at 94 with MI. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285625137 | XXX | XXX | XXX | $XXX | TX | 5/XX/2002 | Primary | Purchase |  | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625149 | XXX | XXX | XXX | $XXX | CA | 6/XX/2003 | Primary | Refinance UTD |  | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 285625152 | XXX | XXX | XXX | $XXX | IL | 7/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625154 | XXX | XXX | XXX | $XXX | NJ | 9/XX/2003 | Investment | Purchase |  | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  | No | In | TNR Testing Not Required D |
| 285625166 | XXX | XXX | XXX | $XXX | VA | 3/XX/2004 | UTD | UTD UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.<br> [2] State Compliance - Virginia Tangible Net Benefit Test: Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 03/XX/2004 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Virginia Tangible Net Benefit Test: The secondary market purchase of a loan does not trigger coverage of the statute." |  | UTD | Out | Indeterminable D |
| 285625174 | XXX | XXX | XXX | $XXX | PA | 10/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625181 | XXX | XXX | XXX | $XXX | GA | 11/XX/2004 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625183 | XXX | XXX | XXX | $XXX | FL | 1/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625186 | XXX | XXX | XXX | $XXX | PA | 3/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625193 | XXX | XXX | XXX | $XXX | IL | 3/XX/2005 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625200 | XXX | XXX | XXX | $XXX | NJ | 7/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625207 | XXX | XXX | XXX | $XXX | AL | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] State Compliance - Alabama Late Charge Percent and Amount Testing: Note late charge exceeds maximum per state.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. | State Compliance - Alabama Late Charge Percent and Amount Testing: Late charge of 5% equates to $XXX which exceeds the $XXX for the state of NY. |  |  |  |  |  | - B |
| 285625213 | XXX | XXX | XXX | $XXX | IL | 1/XX/2006 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose the $XXX settlement, $XXX tax cert and $XXX courier as prepaid finance charges. |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625217 | XXX | XXX | XXX | $XXX | OH | 1/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625222 | XXX | XXX | XXX | $XXX | WA | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  | Yes | Out | TR HUD Deficiency |
| 285625228 | XXX | XXX | XXX | $XXX | NY | 5/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625233 | XXX | XXX | XXX | $XXX | GA | 5/XX/2006 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  |  |  |  |  | - B |
| 285625237 | XXX | XXX | XXX | $XXX | OH | 7/XX/2006 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  |  |  |  |  |  | - B |
| 285625251 | XXX | XXX | XXX | $XXX | MD | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625259 | XXX | XXX | XXX | $XXX | NY | 11/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Initial period of PMI on TIL is 168 payments whereas the pay stream is 170 payments |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625260 | XXX | XXX | XXX | $XXX | FL | 11/XX/2006 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625262 | XXX | XXX | XXX | $XXX | CA | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625265 | XXX | XXX | XXX | $XXX | VA | 11/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625267 | XXX | XXX | XXX | $XXX | MD | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625272 | XXX | XXX | XXX | $XXX | NJ | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625273 | XXX | XXX | XXX | $XXX | NJ | 1/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625274 | XXX | XXX | XXX | $XXX | CA | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625275 | XXX | XXX | XXX | $XXX | CA | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 10/XX/2006<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625280 | XXX | XXX | XXX | $XXX | FL | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625292 | XXX | XXX | XXX | $XXX | NC | 2/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625295 | XXX | XXX | XXX | $XXX | TX | 3/XX/2007 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625297 | XXX | XXX | XXX | $XXX | PA | 2/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625401 | XXX | XXX | XXX | $XXX | NJ | 5/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Application / Processing - Missing Document: Approval not provided<br> [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Fraud Report not provided | Subject Refi Plus loan was approved without an appraisal, however, 2 valuations are required for securitization.<br> The Lender Approval was not provided in file.<br> The credit report was missing from file. Liability and credit score information obtained from other documentation provided in file.<br> The flood cert was not found in file.<br> The fraud report was not provided in file. |  | [1] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required. | Subject Refi Plus loan was approved without an appraisal, however, 2 valuations are required for securitization. |  | 2 | [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [1] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Federal Compliance - RESPA - Initial GFE Missing: There were no GFE's provided in file.<br> Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: There is no evidence the ABA disclosure was provided to the Borrower within 3 days of initial application.<br> Federal Compliance - Federal FACTA Disclosure Timing Test: There is no evidence found in file to confirm the FACTA disclosure was provided to the Borrower within 3 days of initial application.<br> Miscellaneous Compliance - (Doc Error) Initial GFE not provided: There were no GFE documents provided in file.<br> Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is no evidence in file confirming the appraisal disclosure was provided to the Borrower within 3 days of initial application, however, subject loan is a Refi Plus in which an appraisal was not obtained. |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. |  |  |  | - B |
| 285625400 | XXX | XXX | XXX | $XXX | MO | 4/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Application / Processing - Missing Document: Fraud Report not provided | Appraisal is not required per DU and review, however the loans is slated to a future securitization, and therefore an appraisal is required<br> Fraud Report is missing from the file. |  | [1] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required. | Appraisal is not required per DU and review, however the loans is slated to a future securitization, and therefore an appraisal is required. |  | 1 |  |  |  |  |  |  |  | - A |
| 285625402 | XXX | XXX | XXX | $XXX | MO | 12/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Loan File - Missing Document: Hazard Insurance Policy not provided | Subject loan was approved without an appraisal, however, 2 valuations are required for securitization. |  | [1] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required. | Subject Refi Plus loan was approved without an appraisal, however, 2 valuations are required for securitization. |  | 2 | [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: Unable to locate evidence of a sufficient cure provided to borrowers. |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625493 | XXX | XXX | XXX | $XXX | CO | 11/XX/1998 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 285625496 | XXX | XXX | XXX | $XXX | FL | 1/XX/2008 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625498 | XXX | XXX | XXX | $XXX | FL | 9/XX/2008 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 285625500 | XXX | XXX | XXX | $XXX | FL | 9/XX/2005 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 285625503 | XXX | XXX | XXX | $XXX | NJ | 8/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625504 | XXX | XXX | XXX | $XXX | AZ | 3/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625505 | XXX | XXX | XXX | $XXX | FL | 8/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625506 | XXX | XXX | XXX | $XXX | OH | 5/XX/2003 | Primary | Purchase |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625508 | XXX | XXX | XXX | $XXX | PA | 5/XX/2007 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 285625515 | XXX | XXX | XXX | $XXX | AL | 1/XX/1999 | Primary | Refinance UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/1999 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 285625542 | XXX | XXX | XXX | $XXX | TX | 8/XX/2003 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625543 | XXX | XXX | XXX | $XXX | ME | 5/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625544 | XXX | XXX | XXX | $XXX | IL | 12/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625546 | XXX | XXX | XXX | $XXX | OH | 11/XX/2005 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] State Compliance - Ohio Prepayment Penalty: Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | State Compliance - Ohio Prepayment Penalty: PPP Expired. Prepayment charge not allowed per state (OH) - max prepayment charge for OH loan is 1% - note states 6 months advance interest. XXX. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625548 | XXX | XXX | XXX | $XXX | CA | 12/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625565 | XXX | XXX | XXX | $XXX | OH | 10/XX/2010 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. | Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing: Confirmed<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  |  | - B |
| 285625567 | XXX | XXX | XXX | $XXX | NC | 5/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 285625572 | XXX | XXX | XXX | $XXX | NJ | 7/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - New Jersey Prepayment Penalty: New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.27400% is underdisclosed from calculated APR of 7.59515% outside of 0.125% tolerance.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | State Compliance - New Jersey Prepayment Penalty: PPP Expired. Prepayment charge not allowed per state (NJ) - Note states 2%, 2%, 2%. Lender is XXX.<br> Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 3.79% per the lender approval, however the lowest index value available in the lookback period is 4.11%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.79% per the lender approval, however the lowest index value available in the lookback period is 4.11%. |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625580 | XXX | XXX | XXX | $XXX | NJ | 11/XX/1993 | UTD | Purchase |  | 3 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided<br> [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided<br> [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/1993 used as disbursement date for compliance testing.<br> [1] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1993 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 285625502 | XXX | XXX | XXX | $XXX | CA | 2/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX<br> Inspection Date: |  |  |  |  |  | 2 | [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 1/XX/2005 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.<br> [2] Miscellaneous Compliance - Initial TIL not disclosed to the borrower within 3 days.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Miscellaneous Compliance - Initial TIL not disclosed to the borrower within 3 days.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625501 | XXX | XXX | XXX | $XXX | NY | 5/XX/2004 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625509 | XXX | XXX | XXX | $XXX | NJ | 5/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX<br> Inspection Date: XX/XX/XXXX<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 4/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 3/XX/2003. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625510 | XXX | XXX | XXX | $XXX | NY | 4/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625511 | XXX | XXX | XXX | $XXX | CO | 8/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 8/XX/2003, prior to three (3) business days from transaction date of 8/XX/2003. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285625507 | XXX | XXX | XXX | $XXX | GA | 7/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625513 | XXX | XXX | XXX | $XXX | FL | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 6/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 1/XX/2007. |  |  |  |  |  |  | - B |
| 285625492 | XXX | XXX | XXX | $XXX | VA | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 4/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 4/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625518 | XXX | XXX | XXX | $XXX | MD | 6/XX/2009 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.<br> [2] State Compliance - Maryland Ability to Repay Not Verified: Unable to determine if borrower's ability to repay requirements have been met due to missing information. |  |  | State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Assignee liability is unclear.<br>State Compliance - Maryland Ability to Repay Not Verified: No express provisions for assignee liability |  |  |  | - B |
| 285625517 | XXX | XXX | XXX | $XXX | DE | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 | Application / Processing - Missing Document: Missing Lender's Initial 1003: Client approved use of alternative application document for initial application date |  | Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625555 | XXX | XXX | XXX | $XXX | RI | 11/XX/2004 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 285625554 | XXX | XXX | XXX | $XXX | NC | 8/XX/2003 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] State Compliance - North Carolina CHL Tangible Net Benefit Test: North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003. |  |  | State Compliance - North Carolina CHL Tangible Net Benefit Test: Assignee liability is unclear. A holder of the loan may be exposed to the consequences if the loan is deemed usurious, resulting in forfeiture of all interest and return of twice the interest paid, or if the violation constitutes a deceptive act or practice, subjecting the holder to treble damages, but not both.<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | Out | State - NC |
| 285625549 | XXX | XXX | XXX | $XXX | LA | 12/XX/1998 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625553 | XXX | XXX | XXX | $XXX | KS | 8/XX/2003 | Investment | Refinance Cash-out - Other |  | 1 | [3] Closing / Title - ARM Error: Initial Rate Minimum was not provided | Initial rate minimum is less than the Margin stated on the Note. |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003. |  |  |  |  |  |  | - B |
| 285625499 | XXX | XXX | XXX | $XXX | MA | 12/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related. |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625522 | XXX | XXX | XXX | $XXX | FL | 8/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625551 | XXX | XXX | XXX | $XXX | LA | 1/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. |  |  |  |  |  |  | - B |
| 285625521 | XXX | XXX | XXX | $XXX | ME | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Compliant: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625524 | XXX | XXX | XXX | $XXX | OR | 4/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625526 | XXX | XXX | XXX | $XXX | CA | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  | - B |
| 285625527 | XXX | XXX | XXX | $XXX | RI | 4/XX/2011 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided): Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided.<br> [3] State Compliance - Rhode Island Home Loan (High Cost Analysis Not In File): Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis.<br> [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided): Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided.<br> [3] State Compliance - Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided): Rhode Island Home Loan: Tangible Net Benefit Disclosure not provided to borrower for refinance within 60 months.<br> [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (High Cost Analysis Not In File): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | State - NC |
| 285625529 | XXX | XXX | XXX | $XXX | VA | 5/XX/2008 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625531 | XXX | XXX | XXX | $XXX | OH | 9/XX/2007 | Primary | Purchase |  | 3 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided<br> [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided<br> [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 | High Cost testing not complete – Premium and terms were not documented in file |  |  |  |  | 3 | [3] Document Error - Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete.<br> [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.<br> [1] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  | REVIEWER - GENERAL COMMENT (2018/XX/30): AMC - please confirm if able to complete high cost testing (if applicable)<br> REVIEWER - GENERAL COMMENT (2018/XX/30): Missing the final 1003, 92900-A, and final HUD-1 statement, however the loan is exempt from federal, state, and local high cost testing. | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  | No | Out | Other Exceptions D |
| 285625530 | XXX | XXX | XXX | $XXX | OH | 10/XX/2009 | Primary | Refinance UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] State Compliance - Ohio CSPA Tangible Net Benefit Test: Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2009 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2009. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [1] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. | State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): The loan file does not contain third party documentation of the Borrower's ability to repay the loan. |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  | Yes | Out | TR Indeterminable D |
| 285625536 | XXX | XXX | XXX | $XXX | TX | 11/XX/2006 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625535 | XXX | XXX | XXX | $XXX | TX | 4/XX/2005 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Closing / Title - Note Error: Note grace period days less than minimum per state<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | Closing / Title - Note Error: Note grace period days less than minimum per state: 9 day grace period less than 10 day minimum per state (TX) |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 285625533 | XXX | XXX | XXX | $XXX | MD | 6/XX/2008 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2008. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625539 | XXX | XXX | XXX | $XXX | SC | 7/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625540 | XXX | XXX | XXX | $XXX | IN | 3/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625494 | XXX | XXX | XXX | $XXX | FL | 8/XX/2006 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625495 | XXX | XXX | XXX | $XXX | CA | 10/XX/2008 | Primary | Purchase |  | 3 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided<br> [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided | High Cost testing complete - Premium and terms documented in file |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 6.89200% is underdisclosed from calculated APR of 7.16633% outside of 0.125% tolerance.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Line 104 contains a Hold Back for Energy Efficient Mortgage<br> Federal Compliance - TIL APR Tolerance Irregular Transaction: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be payment stream related.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be payment stream related. | REVIEWER - GENERAL COMMENT (2018/XX/23): Received duplicate copy of HUD showing Hold Back on line 104. Unable to clear exception. | Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 285625547 | XXX | XXX | XXX | $XXX | MD | 7/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625538 | XXX | XXX | XXX | $XXX | CA | 7/XX/2004 | Primary | Purchase |  | 2 | [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: It appears a lower index was used than the 1.2883% index available at the time of the look-back period. |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625557 | XXX | XXX | XXX | $XXX | MD | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under-disclosure due to lender utilizing and index value of 4.75% per approval, however the lowest index value available in the lookback period is 4.770%. |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625566 | XXX | XXX | XXX | $XXX | PA | 9/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Closing / Title - Title: Evidence of title is missing |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625516 | XXX | XXX | XXX | $XXX | IN | 9/XX/2008 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625577 | XXX | XXX | XXX | $XXX | AZ | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Valuation:<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | Appraisal not provided. |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625578 | XXX | XXX | XXX | $XXX | CA | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625581 | XXX | XXX | XXX | $XXX | NJ | 10/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2002, prior to three (3) business days from transaction date of 10/XX/2002.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2002.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625519 | XXX | XXX | XXX | $XXX | IL | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285625582 | XXX | XXX | XXX | $XXX | NY | 8/XX/2007 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625556 | XXX | XXX | XXX | $XXX | SC | 12/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  |  | - B |
| 285625537 | XXX | XXX | XXX | $XXX | NY | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 3/XX/2007 which is 1 months prior to consummation. A 7 month lookback was used to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  | - B |
| 285624474 | XXX | XXX | XXX | $XXX | KS | 11/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624470 | XXX | XXX | XXX | $XXX | TN | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624471 | XXX | XXX | XXX | $XXX | MS | 10/XX/2007 | Primary | Purchase |  | 1 | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX<br> Inspection Date:<br> [3] Insurance Documentation - Missing Document: Hazard Dec Page not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624466 | XXX | XXX | XXX | $XXX | VA | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - Federal FACTA Disclosure: There is no Assignee Liability. |  |  |  | - B |
| 285624457 | XXX | XXX | XXX | $XXX | OH | 11/XX/2002 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624460 | XXX | XXX | XXX | $XXX | OH | 3/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Insurance Documentation - Missing Document: Hazard Dec Page not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Final Title Policy is missing. No evidence of title was found in file. |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/2002 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624463 | XXX | XXX | XXX | $XXX | PA | 4/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Government Documentation - FHA MIP Error (Borrower Paid):: Calculated Borrower paid FHA upfront premium of $XXX does not match the mortgage insurance premium collected on the HUD-1 of<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [1] Closing / Title - Final Title Policy is missing. No evidence of title was found in file. | HUD is missing |  |  |  |  | 3 | [3] Closing / Title - Missing Final HUD-1: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 3/XX/2008 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  | Closing / Title - Missing Final HUD-1: A violation of RESPA does not impair the validity of a loan or expose a true secondary market purchaser of a loan to assignee liability or rescission of the loan. While there are no express private rights of action under either Section 4 or 5 of RESPA, originators who violate these provisions are subject to enforcement action by a host of federal and state governmental authorities, and face the possible imposition of civil money penalties. Further, originators who violate Sections 4 and 5 of RESPA could be subject to claims arising under state law, such as state deceptive acts and practices statutes. |  | Yes | Out | TR Indeterminable D |
| 285624464 | XXX | XXX | XXX | $XXX | NC | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/2006 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  |  |  |  |  | - B |
| 285624476 | XXX | XXX | XXX | $XXX | VA | 11/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285624477 | XXX | XXX | XXX | $XXX | FL | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285624465 | XXX | XXX | XXX | $XXX | NC | 8/XX/2004 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] State Compliance - North Carolina CHL Tangible Net Benefit Test: North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note of $XXX does not correspond with the loan amount, loan term, and interest rate on the loan. |  | State Compliance - North Carolina CHL Tangible Net Benefit Test: Assignee liability is unclear. A holder of the loan may be exposed to the consequences if the loan is deemed usurious, resulting in forfeiture of all interest and return of twice the interest paid, or if the violation constitutes a deceptive act or practice, subjecting the holder to treble damages, but not both.<br>Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | State - NC |
| 285624478 | XXX | XXX | XXX | $XXX | WI | 9/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2004, prior to three (3) business days from transaction date of 09/XX/2004.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624479 | XXX | XXX | XXX | $XXX | VA | 12/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [2] State Compliance - Virginia Tangible Net Benefit Test: Virginia Mortgage Lender and Broker Act: Unable to determine if mortgage loan was refinanced within the past twelve (12) months without a tangible net benefit to the borrower due to missing prior loan information.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Virginia Tangible Net Benefit Test: The secondary market purchase of a loan does not trigger coverage of the statute." |  |  |  | - B |
| 285624480 | XXX | XXX | XXX | $XXX | NC | 3/XX/2005 | Primary | Purchase |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004. |  |  |  |  |  |  | - B |
| 285624482 | XXX | XXX | XXX | $XXX | OH | 2/XX/1997 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee payment stream related. |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624484 | XXX | XXX | XXX | $XXX | PA | 10/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 5.44740% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .44740%).<br> [2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. | State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Verified late charge is compliant with state requirements |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285624485 | XXX | XXX | XXX | $XXX | NY | 7/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  | Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285624487 | XXX | XXX | XXX | $XXX | PA | 7/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. | State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Grace period not allowed per state (PA) – min grace period for PA is 15 days - note states 10 days |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625624 | XXX | XXX | XXX | $XXX | AR | 5/XX/2017 | Primary | Purchase | HUD Safe Harbor QM | 3 | [3] Guideline Issue - Case # Assignment does not indicate "All borrowers passed SSN validation".<br> [3] Property Eligibility - Site and Utilities - Comparables or Comparable adjustments are unreasonable for the value being supported: Valuation Type: Appraisal / Valuation Report Date: 04/XX/2017<br> [3] Government Documentation - FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing.: Disclosure: FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) (Government Documents)<br> [3] Government Documentation - FHA MIP Error: Missing evidence of case number assignment date.<br> [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.<br> [3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.<br> [2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents)<br> [2] Government Documentation - FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date.: Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents)<br> [2] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. | Missing evidence of Case # Assignment.<br> Gross Adjustments made to comparables of 47.4% / 47.7% / 48.1% were excessive.<br> Coverage shortfall of $XXX. Insurer's Replacement Cost Estimator not provided. |  |  |  |  | 3 | [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is HUD Safe Harbor QM.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200)<br> [1] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2017) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Insufficient cure due to missing valid changed circumstance for increase in discount points on 04/XX/2017.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: A valid changed circumstance for increase in discount points on 04/XX/2017 or evidence of a cure not provided.<br> Federal Compliance - FHA Case Number Assignment Date Missing: Missing evidence of Case # Assignment.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: The final CD reflects a Lender Credit of $XXX for closing costs above the legal limit; however, a valid changed circumstance for increase in discount points on 04/XX/2017 or evidence of a cure not provided. |  | Federal Compliance - Unknown Loan Designation: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM C B |
| 285625626 | XXX | XXX | XXX | $XXX | AZ | 3/XX/2017 | Primary | Purchase | Temporary HPQM (GSE/Agency Eligible) | 2 |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: 02/XX/2017 |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure 03/XX/2017 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/03/XX/2017)<br> [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXX on Final Closing Disclosure provided on 03/XX/2017 not accurate. (Final/03/XX/2017)<br> [2] Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Seller Credit: TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 03/XX/2017 disclosed a Seller Credit that does not match the Seller Credit from the Calculating Cash to Close table. (Final/03/XX/2017)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/03/XX/2017)<br> [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 03/XX/2017 not received by borrower at least four (4) business days prior to closing. (Interim/03/XX/2017)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Compliance Audit / Quality Control Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75108)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Re-Underwriting Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (73141)<br> [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/02/XX/2017)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/XX/2017) | Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: The seller CD showed no closing cost paid by the seller.<br> Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: Based on appraisal amount for HOA of $XXX monthly, non escrowed property costs of $XXX is not accurate.<br> Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Seller Credit: The summaries of transactions shows a seller credit of $XXX, however the Calculating the cash to close table shows a seller credit of 0.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Initial CD was issued 3 days prior to closing, however, evidence of receipt and or delivery method is missing.<br> Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Documentation of receipt is missing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No cure was provided for the fee difference on the Quality Control fee.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: There was no cure provided for the wrong disclosure of the Re- underwriting fee. Loan amount and program did change, however, supporting documentation of valid change circumstance is missing.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Document sent to borrower with insufficient time to receive before closing.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: The closing costs exceeded the legal limit and no cure was provided. |  | Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Seller Credit: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625627 | XXX | XXX | XXX | $XXX | IL | 4/XX/2017 | Primary | Refinance Limited Cash-out GSE | Safe Harbor QM | 3 | [3] Document Error - Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.: Borrower: Hector Guevara<br> [3] Document Error - Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.: Borrower: Hector Guevara<br> [3] Public Records - Public Records/Collections/Charge Off does not meet guidelines.: Credit Report: Original // Public Record Type: Bankruptcy / Balance: 0.00 | Received copy of front and back of borrowers permanent resident card.<br> Received copy of front and back of permanent resident alien card.<br> Borrower has discharge bankruptcy 08/2011. |  |  |  |  | 3 | [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.<br> [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/04/XX/2017)<br> [1] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> [1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [1] Federal Compliance - TRID Servicing Disclosure Timing: File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. | Federal Compliance - TRID Loan Estimate Timing: Initial LE provided was issued 04/XX/17.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Disclosure was signed by borrower at closing on 04/XX/17.<br> Federal Compliance - TRID Servicing Disclosure Timing: Disclosure was not provided with loan documents. |  | Federal Compliance - Unknown Loan Designation: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | Out | TILA ATR/QM C B |
| 285625598 | XXX | XXX | XXX | $XXX | SC | 9/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  |  | - B |
| 285625599 | XXX | XXX | XXX | $XXX | LA | 2/XX/2008 | Primary | Purchase |  | 1 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625600 | XXX | XXX | XXX | $XXX | VA | 9/XX/2009 | Primary | Purchase |  | 2 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided<br> [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625601 | XXX | XXX | XXX | $XXX | MD | 6/XX/2008 | Primary | Purchase |  | 2 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided<br> [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625602 | XXX | XXX | XXX | $XXX | NY | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625603 | XXX | XXX | XXX | $XXX | FL | 6/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation:<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | Appraisal not provided. |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625604 | XXX | XXX | XXX | $XXX | NJ | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [1] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625605 | XXX | XXX | XXX | $XXX | CT | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - Connecticut Prepayment Penalty Test: Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625606 | XXX | XXX | XXX | $XXX | MN | 12/XX/1999 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 1 | [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 285625607 | XXX | XXX | XXX | $XXX | CT | 2/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625608 | XXX | XXX | XXX | $XXX | NY | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | Out | TR Indeterminable D |
| 285625609 | XXX | XXX | XXX | $XXX | NY | 10/XX/2006 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625611 | XXX | XXX | XXX | $XXX | FL | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 285625612 | XXX | XXX | XXX | $XXX | FL | 12/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625613 | XXX | XXX | XXX | $XXX |  |  | UTD | UTD UTD |  | 3 |  |  |  |  |  |  | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: File contains only post closing documets. |  |  |  | UTD | Out | Indeterminable D |
| 285625614 | XXX | XXX | XXX | $XXX | CA | 10/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR Indeterminable D |
| 285625615 | XXX | XXX | XXX | $XXX | TX | 10/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure appears to be payment stream related. The payment streams adjust after 134 months and the loan is a fixed rate and no evidence of a buy down. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625616 | XXX | XXX | XXX | $XXX | FL | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  | Yes | Out | TR Indeterminable D |
| 285625617 | XXX | XXX | XXX | $XXX | NJ | 9/XX/2005 | Primary | Purchase |  | 1 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625442 | XXX | XXX | XXX | $XXX | CA | 3/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625478 | XXX | XXX | XXX | $XXX | MD | 8/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 | [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  |  |  |  |  | - B |
| 285625443 | XXX | XXX | XXX | $XXX | CO | 4/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Assignee Liability: For a transaction involving a security interest in land, any action that may be brought against the original creditor may be maintained against any subsequent assignee where the assignee, its subsidiaries, or affiliates were in a continuing business relationship with the original creditor either at the time the credit was extended or at the time of the assignment unless the assignment was involuntary or the assignee shows by a preponderance of evidence that it did not have reasonable grounds to believe that the original creditor was engaged in violations of the code and that it maintained procedures reasonably adapted to apprise it of the existence of the violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625446 | XXX | XXX | XXX | $XXX | HI | 4/XX/2003 | Second Home | Refinance Rate/Term |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2002. |  |  |  |  |  |  | - B |
| 285625445 | XXX | XXX | XXX | $XXX | MO | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625481 | XXX | XXX | XXX | $XXX | IL | 10/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625482 | XXX | XXX | XXX | $XXX | AR | 8/XX/2008 | Primary | Purchase |  | 1 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided<br> [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625483 | XXX | XXX | XXX | $XXX | MO | 1/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the fee under disclosure due to missing the itemization of amount financed. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285625449 | XXX | XXX | XXX | $XXX | FL | 5/XX/1999 | UTD | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/1999 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/1998. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | Out | TR Indeterminable D |
| 285625486 | XXX | XXX | XXX | $XXX | NY | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625450 | XXX | XXX | XXX | $XXX | CA | 3/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  | REVIEWER - GENERAL COMMENT (2019/XX/12): Received the same unsigned HUD from the original image file, no changes made. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR HUD Deficiency |
| 285625488 | XXX | XXX | XXX | $XXX | FL | 3/XX/2006 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625487 | XXX | XXX | XXX | $XXX | WA | 2/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625453 | XXX | XXX | XXX | $XXX | NC | 10/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625454 | XXX | XXX | XXX | $XXX | IL | 5/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625455 | XXX | XXX | XXX | $XXX | FL | 3/XX/1998 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/1998 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/1997. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 285625421 | XXX | XXX | XXX | $XXX | PA | 11/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. | State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: 10 day grace period is less than 15 day minimum per state (PA). |  |  |  |  |  | - B |
| 285625457 | XXX | XXX | XXX | $XXX | NY | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625422 | XXX | XXX | XXX | $XXX | NY | 2/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625459 | XXX | XXX | XXX | $XXX | NY | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625460 | XXX | XXX | XXX | $XXX | NC | 8/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625461 | XXX | XXX | XXX | $XXX | NY | 1/XX/2005 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. | Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: HUD is considered estimated due to line 1011 reflecting a $XXX Escrow Cushion. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 285625424 | XXX | XXX | XXX | $XXX | MD | 11/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  | - B |
| 285625466 | XXX | XXX | XXX | $XXX | NJ | 8/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625467 | XXX | XXX | XXX | $XXX | FL | 4/XX/1999 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/1998. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625433 | XXX | XXX | XXX | $XXX | MA | 7/XX/2002 | Primary | UTD UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2002 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Out | Indeterminable D |
| 285625434 | XXX | XXX | XXX | $XXX | GA | 1/XX/2007 | Primary | Purchase |  | 2 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625468 | XXX | XXX | XXX | $XXX | FL | 6/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625435 | XXX | XXX | XXX | $XXX | TN | 1/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625470 | XXX | XXX | XXX | $XXX | CA | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625437 | XXX | XXX | XXX | $XXX | NC | 6/XX/2000 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2000 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | No | In | TNR Testing Not Required D |
| 285625438 | XXX | XXX | XXX | $XXX | MA | 5/XX/2009 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625472 | XXX | XXX | XXX | $XXX | SC | 6/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2003, prior to three (3) business days from transaction date of 06/XX/2003.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625439 | XXX | XXX | XXX | $XXX | NM | 1/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625474 | XXX | XXX | XXX | $XXX | VA | 4/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625440 | XXX | XXX | XXX | $XXX | IN | 6/XX/2006 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  |  |  |  |  | - B |
| 285625475 | XXX | XXX | XXX | $XXX | GA | 11/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 285625441 | XXX | XXX | XXX | $XXX | MA | 2/XX/2006 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 285625583 | XXX | XXX | XXX | $XXX | SC | 9/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine reason for underdisclosure, itemization does not break down the fees included in the total prepaid finance charge |  | State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285625595 | XXX | XXX | XXX | $XXX | AR | 10/XX/2005 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 285625596 | XXX | XXX | XXX | $XXX | FL | 6/XX/2007 | UTD | UTD UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation:<br> [3] Closing / Title - Title: Evidence of title is missing | Appraisal not provided. |  |  |  |  | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file<br> [3] Closing / Title - Missing Document: Note - Subject Lien not provided<br> [3] Closing / Title - Missing Final HUD-1<br> [2] Closing / Title - TILA - Final TIL Missing<br> [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 | Loan File - (Missing Doc) Incomplete loan images/file: Loan file only contains Security Instrument, ARM Rider and pages 1-3 of 6 page Note.<br> Closing / Title - Missing Document: Note - Subject Lien not provided: Note is missing pages 4-6 of 6. It should also be noted that the note was Amended and Restated 6/XX/2011. |  | Closing / Title - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Out | Indeterminable D |
| 285625592 | XXX | XXX | XXX | $XXX | NC | 12/XX/1997 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an Attorney fee of $XXX and a Courier fee of $XXX partially offset by and itemized Credit Report fee of $XXX as prepaid finance charges. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  |  | - B |
| 285625594 | XXX | XXX | XXX | $XXX | TX | 6/XX/2005 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [1] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 285625587 | XXX | XXX | XXX | $XXX | TX | 12/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625589 | XXX | XXX | XXX | $XXX | NC | 8/XX/1999 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 285625591 | XXX | XXX | XXX | $XXX | NY | 10/XX/2006 | Primary | Purchase |  | 1 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 285625586 | XXX | XXX | XXX | $XXX | IN | 3/XX/1999 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 | [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 285625590 | XXX | XXX | XXX | $XXX | LA | 8/XX/2002 | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  |  | - B |
| 285625584 | XXX | XXX | XXX | $XXX | PA | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 285625633 | XXX | XXX | XXX | $XXX | NY | 5/XX/2020 | Primary | Refinance Limited Cash-out GSE | Non QM | 3 |  |  |  | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: 05/XX/2020; Lien Position: 1 |  | BUYER - GENERAL COMMENT (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2021/XX/04): Waived without Comp factors per buyers request | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.41176% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 1.41176%). | Federal Compliance - Check Loan Designation Match - QM: Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> Federal Compliance - QM Points and Fees: Points and Fees on subject loan of 4.41176% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX. | BUYER - GENERAL COMMENT (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2021/XX/04): Waived without Comp factors per buyers request<br> BUYER - GENERAL COMMENT (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2021/XX/04): Waived without Comp factors per buyers request | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | Out | TILA ATR/QM C |
| 285625632 | XXX | XXX | XXX | $XXX | CA | 7/XX/2020 | Second Home | Purchase | Non QM | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: PITIA months reserves discrepancy.: Calculated PITIA months reserves of XXX is less than AUS PITIA months reserves of XXX.<br> [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> [3] Application / Processing - Missing Document: Fraud Report not provided<br> [3] General - Missing Document: Stated not provided | Property Inspection Waiver not provided | BUYER - GENERAL COMMENT (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2021/XX/04): Waived without Comp factors per buyers request<br> BUYER - GENERAL COMMENT (2021/XX/03): Waived - BPO ordered during diligence, no evidence of damage<br> REVIEWER - WAIVED COMMENT (2021/XX/04): Waived without Comp factors per buyers request<br> BUYER - GENERAL COMMENT (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2021/XX/04): Waived without Comp factors per buyers request<br> BUYER - GENERAL COMMENT (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2021/XX/04): Waived without Comp factors per buyers request | [3] Appraisal Documentation - Loan is to be securitized. Appraisal is missing. Sec ID: 1: Note Date: 07/XX/2020; Lien Position: 1<br> [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: 07/XX/2020; Lien Position: 1 |  | BUYER - GENERAL COMMENT (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2021/XX/04): Waived without Comp factors per buyers request<br> BUYER - GENERAL COMMENT (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2021/XX/04): Waived without Comp factors per buyers request | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) | Federal Compliance - Check Loan Designation Match - QM: DTI Exceeds 43%<br> Federal Compliance - QM DTI: DTI Exceeds 43%<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid change of circumstance was not provided | BUYER - GENERAL COMMENT (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2021/XX/04): Waived without Comp factors per buyers request<br> BUYER - GENERAL COMMENT (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2021/XX/04): Waived without Comp factors per buyers request<br> BUYER - GENERAL COMMENT (2021/XX/03): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br> REVIEWER - WAIVED COMMENT (2021/XX/04): Waived without Comp factors per buyers request | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM C |
| 285625634 | XXX | XXX | XXX | $XXX | OK | 1/XX/2021 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 |  |  |  | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: 01/XX/2021; Lien Position: 1 |  | BUYER - GENERAL COMMENT (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2021/XX/04): Waived without Comp factors per buyers request | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible).<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) | Federal Compliance - Check Loan Designation Match - QM: Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Transfer Tax Fee disclosed as $XXX on LE dated 12/XX/2020, but disclosed as $XXX (Inclusive of $XXX Seller Paid Documentary Stamps reflected on the Seller CD) on Final Closing Disclosure. | BUYER - GENERAL COMMENT (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan.<br> REVIEWER - WAIVED COMMENT (2021/XX/04): Waived without Comp factors per buyers request<br> BUYER - GENERAL COMMENT (2021/XX/03): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.<br> REVIEWER - WAIVED COMMENT (2021/XX/04): Waived without Comp factors per buyers request | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM C B |
| 285625630 | XXX | XXX | XXX | $XXX | FL | 9/XX/2022 | Primary | Refinance Cash-out - Other | Non QM | 3 | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  | BUYER - GENERAL COMMENT (2023/XX/01): Comment from XXX (XXX): Acknowledged - XXX obtained BPO, there is no evidence of property damage.<br> REVIEWER - GENERAL COMMENT (2023/XX/07): A BPO was not located in the loan file. |  |  |  | 1 | [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2022) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification the appraisal was delivered to borrower was not provided. | BUYER - GENERAL COMMENT (2023/XX/02): Comment from XXX (XXX): Acknowledged - Grade 1, non-issue for XXX. Going forward the exception will be suppressed from mTrade/Clean Room.<br> REVIEWER - GENERAL COMMENT (2023/XX/07): Customer acknowledges exception. |  |  |  |  | - B |
| 285625631 | XXX | XXX | XXX | $XXX | VA | 10/XX/2022 | Primary | Purchase | Non QM | 2 | [2] Guideline Issue - Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/12/XX/2022)<br> [1] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 04/XX/2022, Most Recent Tax Return End Date 12/XX/2020, Tax Return Due Date 03/XX/2022. (XXX XXX/S-Corp) | Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: The file only has one appraisal with a report date of 12/XX/2022, which is after the Note date and after the date the appraisal notice indicated a copy was provided to the borrower. Provide original copy of appraisal.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: The file is missing with 2021 personal and business tax returns. Evidence of extension provided in file for 2021. The file contained a copy of the 2020, 1040's and business returns. |  |  |  |  |  | - B |
| 285625636 | XXX | XXX | XXX | $XXX | CA | 7/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [1] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of 07/XX/2005 used as disbursement date for compliance testing.<br> [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |

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![](tm2520117d1_ex99-2img003.jpg)

**Exception Ratings**

**Run Date - 6/XX/2025 12:15:23 PM**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Unable To Clear Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 285624488 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 1 | 4/XX/2007 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624488 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 2 | 4/XX/2007 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624488 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 1 | 4/XX/2007 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624488 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 2 | 4/XX/2007 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624488 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 2 | 4/XX/2007 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624491 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 1 | 7/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624491 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 2 | 7/XX/2006 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624491 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 2 | 7/XX/2006 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624493 | XXX | XXX | XXX | XXX | 9/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 3 | 8/XX/2007 | FL | Primary | Purchase | C |  |  | No B |
| 285624493 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 1 | 8/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285624493 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285624493 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285624493 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 1 | 8/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285624493 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285624492 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 1 | 10/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285624492 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 2 | 10/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285624492 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 2 | 10/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285624492 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Buyer Comment (2022/XX/10): Comment from XXX (XXX): Waived - RPL/RTL loan. Loan purchased as is. Waived per XXX. |  |  |  |  | 2 | 10/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285624639 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 5/XX/2000 | VT | UTD | Refinance - UTD | B |  |  | No D |
| 285624639 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 5/XX/2000 | VT | UTD | Refinance - UTD | B |  |  | No D |
| 285624639 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 5/XX/2000 | VT | UTD | Refinance - UTD | B |  |  | No D |
| 285624639 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2000 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 5/XX/2000 | VT | UTD | Refinance - UTD | B |  |  | No D |
| 285624639 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 5/XX/2000 | VT | UTD | Refinance - UTD | D |  |  | No D |
| 285624639 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 5/XX/2000 | VT | UTD | Refinance - UTD | B |  |  | No D |
| 285624639 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Vermont Interest Act - VT High Rate, High Point Disclosure Not Provided | Vermont Interest Act: Vermont Disclosure not provided to loan applicant. |  |  |  |  |  |  |  | 2 | 5/XX/2000 | VT | UTD | Refinance - UTD | B |  |  | No D |
| 285624639 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | State HPML | Vermont Interest Act - Vermont High Rate, High Point Loan (Interest Rate and/or Points and Fees) | Vermont Interest Act: Note Rate on subject loan of 13.00000% is in excess of allowable threshold of Declared Rate 8.4000% + 3%, or 11.40000, or Points on the loan of .00000% exceed the allowable threshold of 4%. Non-Compliant Loan. |  |  |  |  |  |  |  | 2 | 5/XX/2000 | VT | UTD | Refinance - UTD | B |  |  | No D |
| 285624639 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2000 | VT | UTD | Refinance - UTD | No Defined Cure B |  |  | No D |
| 285624639 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2000 | VT | UTD | Refinance - UTD | No Defined Cure B |  |  | No D |
| 285624639 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 5/XX/2000 | VT | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes D |
| 285624639 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 5/XX/2000 | VT | UTD | Refinance - UTD | B |  |  | No D |
| 285624639 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2000 | VT | UTD | Refinance - UTD | C |  |  | No D |
| 285624520 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2005 | OH | Primary | Purchase | C |  |  | No B |
| 285624520 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of 6/XX/2005 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | OH | Primary | Purchase | B |  |  | No B |
| 285624520 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Title | Final Title Policy is missing. No evidence of title was found in file. |  |  |  |  |  |  |  |  | 1 | 7/XX/2005 | OH | Primary | Purchase | B |  |  | No B |
| 285624587 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624587 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624587 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624587 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of 3/XX/2006 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624518 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2002 | LA | Primary | Purchase | C |  |  | No B |
| 285624518 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Subject mortgage missing page 1 with terms of repayment |  |  |  |  |  |  | 3 | 11/XX/2002 | LA | Primary | Purchase | D |  |  | No B |
| 285624518 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 month(s) prior to consummation. A 2 month lookback was used to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2002 | LA | Primary | Purchase | B |  |  | No B |
| 285624518 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 11/XX/2002 | LA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624518 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2002 | LA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624521 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and may not contain standard legal language. |  |  |  |  |  |  |  |  | 2 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624521 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Disclosure | Missing Document | Disclosure | Negative Information Disclosures are missing | Disclosure: Negative Information Disclosures |  |  |  |  |  |  |  | 3 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624521 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Compliance | Miscellaneous Compliance | Loan Package Documentation | Privacy Notice is missing | Disclosure: Privacy Notice |  |  |  |  |  |  |  | 3 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624521 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624521 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624523 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2005 | TX | Primary | Purchase | C |  |  | No B |
| 285624523 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2005 | TX | Primary | Purchase | B |  |  | No B |
| 285624523 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of 1/XX/2005 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | TX | Primary | Purchase | B |  |  | No B |
| 285624523 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | TX | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624523 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | TX | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624523 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not disclose a Closing attorney fee of $XXX as prepaid finance charge. |  |  |  |  |  |  | 2 | 2/XX/2005 | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624502 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2003 | IL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624502 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 3/XX/2003 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624502 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Compliance | Miscellaneous Compliance | Loan Package Documentation | Privacy Notice is missing | Disclosure: Privacy Notice |  |  |  |  |  |  |  | 3 | 3/XX/2003 | IL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624502 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2003 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624498 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624498 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624498 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624504 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 2/XX/2003 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624504 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2003 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624504 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2003 | FL | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624628 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624628 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624590 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Compliance | Miscellaneous Compliance | Loan Package Documentation | Privacy Notice is missing | Disclosure: Privacy Notice |  |  |  |  |  |  |  | 3 | 2/XX/2008 | NE | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624590 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2008 | NE | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624590 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of 1/XX/2008 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | NE | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624590 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2018/XX/05): Cleared with HUD provided | 2/XX/2017 10:58:42 AM |  |  |  | 1 | 2/XX/2008 | NE | Primary | Refinance - Rate/Term | A |  |  | No B |
| 285624590 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2008 | NE | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624590 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  | 3 | 2/XX/2008 | NE | Primary | Refinance - Rate/Term | D |  |  | No B |
| 285624590 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 2/XX/2008 | NE | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624556 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/2004 which is the consummation date. A 1 month lookback was used to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624630 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2002 | IL | Primary | Purchase | C |  |  | No B |
| 285624630 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 12/XX/2002 | IL | Primary | Purchase | B |  |  | No B |
| 285624630 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Compliance | Miscellaneous Compliance | Loan Package Documentation | Privacy Notice is missing | Disclosure: Privacy Notice |  |  |  |  |  |  |  | 3 | 12/XX/2002 | IL | Primary | Purchase | C |  |  | No B |
| 285624630 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2002. |  |  |  |  |  |  |  | 1 | 12/XX/2002 | IL | Primary | Purchase | B |  |  | No B |
| 285624630 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 12/XX/2002 | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624522 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624524 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 3/XX/2007 | PA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No D |
| 285624524 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 2/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 3/XX/2007 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No D |
| 285624524 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Compliance | Miscellaneous Compliance | Loan Package Documentation | Privacy Notice is missing | Disclosure: Privacy Notice |  |  |  |  |  |  |  | 3 | 3/XX/2007 | PA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No D |
| 285624526 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2009 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624526 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) | Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of receipt of the loan application. |  |  |  |  |  |  |  | 2 | 4/XX/2009 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624526 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | 4/XX/2009 | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624616 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | CA | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624616 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624616 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2008 | CA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624616 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | CA | Primary | Refinance - Rate/Term | D |  |  | No B |
| 285624653 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2004 | NY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624653 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 10/XX/2004 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624653 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 10/XX/2004 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624653 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624653 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624591 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624591 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624591 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624591 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Desk-Top Review / Valuation Report Date: 11/XX/2006 |  |  |  |  |  |  |  | 3 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | D |  |  | No B |
| 285624591 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624615 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2006 | WI | Primary | Purchase | B |  |  | No B |
| 285624615 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | WI | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624615 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2006 | WI | Primary | Purchase | B |  |  | No B |
| 285624615 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  |  |  |  |  |  | 1 | 3/XX/2006 | WI | Primary | Purchase | B |  |  | No B |
| 285624615 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | WI | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624589 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2005 | NJ | Primary | Purchase | B |  |  | No B |
| 285624589 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | NJ | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624589 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | NJ | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624589 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2005 | NJ | Primary | Purchase | B |  |  | No B |
| 285624617 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No D |
| 285624617 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No D |
| 285624617 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No D |
| 285624647 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. |  |  |  |  |  |  | 1 | 10/XX/2005 | WA | Primary | Purchase | B |  |  | No B |
| 285624647 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 10/XX/2005 | WA | Primary | Purchase | B |  |  | No B |
| 285624647 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | WA | Primary | Purchase | B |  |  | No B |
| 285624647 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | WA | Primary | Purchase | B |  |  | No B |
| 285624647 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. |  |  |  |  |  |  |  | 1 | 10/XX/2005 | WA | Primary | Purchase | B |  |  | No B |
| 285624647 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | WA | Primary | Purchase | B |  |  | No B |
| 285624559 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2004 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No C |
| 285624559 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 7/XX/2004 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No C |
| 285624559 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | 7/XX/2004 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No C |
| 285624559 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 7/XX/2004 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No C |
| 285624559 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | State Defect | New Jersey Home Loan (Late Charge) | New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. |  |  |  |  |  |  |  | 3 | 7/XX/2004 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No C |
| 285624559 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2004, prior to three (3) business days from transaction date of 07/XX/2004. |  |  |  |  |  |  |  | 2 | 7/XX/2004 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes C |
| 285624559 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004. |  |  |  |  |  |  |  | 1 | 7/XX/2004 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No C |
| 285624559 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | Grace period of 10 days does not meet the 15 days allowed for the state of New Jersey. |  |  |  |  |  |  | 2 | 7/XX/2004 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No C |
| 285624559 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 7/XX/2004 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No C |
| 285624582 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 1/XX/2001 | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624582 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2001 | AL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624592 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5% |  |  |  |  |  |  | 2 | 3/XX/2004 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624592 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. |  |  |  |  |  |  |  | 1 | 3/XX/2004 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624592 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2004 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624592 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2004 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624543 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. |  |  |  |  |  |  |  | 1 | 6/XX/2005 | AZ | Primary | Purchase | B |  |  | No B |
| 285624543 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | AZ | Primary | Purchase | C |  |  | No B |
| 285624543 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | AZ | Primary | Purchase | B |  |  | No B |
| 285624618 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | AL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624618 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | AL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624618 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  | Reviewer Comment (2018/XX/05): Received Appraisal, exception cleared | 9/XX/2017 8:51:53 AM |  |  |  | 1 | 5/XX/2006 | AL | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| 285624618 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  | Reviewer Comment (2018/XX/05): Received Appraisal, exception cleared | 9/XX/2017 8:52:04 AM |  |  |  | 1 | 5/XX/2006 | AL | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| 285624618 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 5/XX/2006 | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624618 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2018/XX/05): Received Final HUD-1, exception cleared | 9/XX/2017 8:51:03 AM |  |  |  | 1 | 5/XX/2006 | AL | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| 285624618 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2018/XX/05): Received Final HUD-1, exception cleared | 9/XX/2017 8:51:03 AM |  |  |  | 1 | 5/XX/2006 | AL | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| 285624618 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Reviewer Comment (2018/XX/05): Received ROR, exception cleared | 9/XX/2017 8:51:03 AM |  |  |  | 1 | 5/XX/2006 | AL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes B |
| 285624618 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624618 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624618 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2006, prior to three (3) business days from transaction date of 05/XX/2006. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | AL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624560 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 10/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624560 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. |  |  |  |  |  |  |  | 1 | 10/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624629 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2007 | NY | Primary | Refinance - Cash-out - Home Improvement | C |  |  | No A |
| 285624645 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624645 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 8/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624645 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. |  |  |  |  |  |  |  | 1 | 8/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624645 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624645 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Miscellaneous Compliance: Evidence of Disbursement Date Not in File. Disbursement date used to perform compliance tests determined based on first payment date. |  | Evidence of Disbursement Date Not in File. Disbursement date used to perform compliance tests determined based on first payment date. |  |  |  |  |  |  | 2 | 8/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624646 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | FL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285624646 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | FL | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624646 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624646 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624646 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624646 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | FL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285624641 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624641 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624641 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624552 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624585 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624585 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624585 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. |  |  |  |  |  |  |  | 1 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624585 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624585 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624585 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Other | D |  |  | No B |
| 285624585 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624600 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2006 | NJ | Primary | Purchase | C |  |  | No B |
| 285624600 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | NJ | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624600 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  |  |  |  |  |  |  | 1 | 6/XX/2006 | NJ | Primary | Purchase | B |  |  | No B |
| 285624600 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | NJ | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624600 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Under disclosure due to $XXX Broker fee and $XXX Notice of settlement on the FHUD, but not reflected on the TIL itemization of prepaid finance charges. |  |  |  |  |  |  | 2 | 6/XX/2006 | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624620 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No A |
| 285624649 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/1998 | PA | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| 285624649 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/1997. |  |  |  |  |  |  |  | 1 | 5/XX/1998 | PA | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| 285624567 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | PA | Primary | Refinance - UTD | C |  |  | No D |
| 285624567 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | PA | Primary | Refinance - UTD | B |  |  | No D |
| 285624567 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | PA | Primary | Refinance - UTD | D |  |  | No D |
| 285624567 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | PA | Primary | Refinance - UTD | B |  |  | No D |
| 285624567 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | PA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes D |
| 285624567 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | PA | Primary | Refinance - UTD | B |  |  | No D |
| 285624567 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/2007 | PA | Primary | Refinance - UTD | B |  |  | No D |
| 285624567 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | PA | Primary | Refinance - UTD | D |  |  | No D |
| 285624567 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2007 | PA | Primary | Refinance - UTD | B |  |  | No D |
| 285624567 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | PA | Primary | Refinance - UTD | D |  |  | No D |
| 285624632 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | MA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624499 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624499 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. |  |  |  |  |  |  |  | 1 | 1/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624499 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624499 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624499 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Closing instructions indicates the Index used was 1.773%. The lowest Index available within the look-back period is 1.8867% |  |  |  |  |  |  | 2 | 1/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624499 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624499 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624499 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Valuation Error: APN Number not provided. |  | The APN Number is no included in the text of the Security Instrument. |  |  |  |  |  |  | 1 | 1/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624509 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | MI | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624509 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624509 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  | 2 | 5/XX/2006 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624509 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  | 2 | 5/XX/2006 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624509 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application. | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  | 2 | 5/XX/2006 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624571 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2005 | LA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No A |
| 285624528 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285624528 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285624528 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285624528 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Missing Document | General | Missing Document | Incomplete Document: TIL Final is incomplete |  | Missing page 2 of 2 pages. |  |  |  |  |  |  | 2 | 2/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285624643 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2005 | ME | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624643 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 8/XX/2005 | ME | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624643 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 8/XX/2005 | ME | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624643 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Review acknowledges as of 04/XX/2018, no evidence of a FACTA Disclosure has been imaged to file documentation. |  |  |  |  |  |  | 1 | 8/XX/2005 | ME | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624643 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. | Review acknowledges that as of 04/XX/2018, no evidence of the borrower's Initial Loan Application was not found to be imaged into the current file documentation. In the absence of the application a fictitious date was determined from a look back of 30 days from the closing date, for testing purposes. |  |  |  |  |  |  | 1 | 8/XX/2005 | ME | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624643 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | ME | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624643 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Review acknowledges that as of 03/XX/2018, no evidence of the borrower's Initial Loan Application was not found to be imaged into the current file documentation. In the absence of the application a fictitious date was determined from a look back of 30 days from the closing date, for testing purposes. |  |  |  |  |  |  | 2 | 8/XX/2005 | ME | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624643 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | ME | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624643 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | Review acknowledges the Final TIL did not have a borrower's signature and therefore no means of determining compliance timing. |  |  |  |  |  |  | 2 | 8/XX/2005 | ME | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624621 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2003 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624621 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2003 | VA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No B |
| 285624621 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/2003 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624621 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2003 | VA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No B |
| 285624621 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/2003 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624621 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. |  |  |  |  |  |  |  | 1 | 9/XX/2003 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624621 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | VA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624621 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | VA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624621 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624621 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624613 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2005 | DE | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624613 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: AVM / Valuation Report Date: 11/XX/2005 |  |  |  |  |  |  |  | 3 | 11/XX/2005 | DE | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No B |
| 285624613 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 11/XX/2005 | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624613 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | DE | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624613 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | DE | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624613 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624544 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 11/XX/2004 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624544 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 11/XX/2004 | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624510 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2006 | WI | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624510 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 2/XX/2006 | WI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624510 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. |  |  |  |  |  |  |  | 1 | 2/XX/2006 | WI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624510 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | WI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624510 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | WI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624626 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  |  |  |  |  |  |  | 1 | 12/XX/2006 | NM | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624626 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | NM | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624626 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | NM | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624626 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2006 | NM | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624626 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | 12/XX/2006 | NM | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624626 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 12/XX/2006 | NM | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624637 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2007 | SC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624637 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624637 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624572 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624572 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2005, prior to three (3) business days from transaction date of 06/XX/2005. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624572 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 6/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624572 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 6/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624572 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624610 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2003 | PA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624610 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2003. |  |  |  |  |  |  |  | 1 | 11/XX/2003 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624610 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | State Late Charge | Pennsylvania First Lien Late Charge Grace Period Testing | Note grace period less than minimum per state. | Grace period of 10 days is below the minimum of 15 days required for the state of PA. |  |  |  |  |  |  | 2 | 11/XX/2003 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624534 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2002. |  |  |  |  |  |  |  | 1 | 11/XX/2002 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624534 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 11/XX/2002 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624534 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Final TIL itemization does not have the Processing Fee of $XXX included in the prepaid amount financed. A Title Courier fee is including of $XXX when $XXX was charged. |  |  |  |  |  |  | 2 | 11/XX/2002 | IN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624534 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2002 | IN | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624534 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 11/XX/2002 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624570 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2004 | IN | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624570 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  |  |  |  |  |  | 1 | 4/XX/2004 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624570 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624574 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 7/XX/2005 | KY | Primary | Purchase | B |  |  | No B |
| 285624574 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. |  |  |  |  |  |  |  | 1 | 7/XX/2005 | KY | Primary | Purchase | B |  |  | No B |
| 285624574 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | KY | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624574 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | KY | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624569 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 1/XX/2006 | KY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624532 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624532 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  |  |  | 1 | 6/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624532 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624532 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624532 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624532 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624633 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2008 | SC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624633 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2008 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624633 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL APR Under/Over Disclosed By Greater Than 0.125% | Truth In Lending Act: Final TIL APR of 11.93000% is underdisclosed from calculated APR of 12.33747% outside of 0.125% tolerance. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624633 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Under disclosure is due to the variance in disclosed payment of $XXX and the calculated payment of $XXX. |  |  |  |  |  |  | 2 | 2/XX/2008 | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624633 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624633 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of $XXX does not match Calculated P&I of $XXX |  |  |  |  |  |  |  | 3 | 2/XX/2008 | SC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624573 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624573 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624573 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624573 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 3/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624548 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624548 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624548 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624548 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2004, prior to three (3) business days from transaction date of 02/XX/2004. |  |  |  |  |  |  |  | 2 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624548 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624548 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2003. |  |  |  |  |  |  |  | 1 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624548 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  | 2 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624603 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  | 2 | 9/XX/2013 | MD | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | Yes B |
| 285624603 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  | 2 | 9/XX/2013 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624603 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  | 1 | 9/XX/2013 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624603 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  | 2 | 9/XX/2013 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624603 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not In File | Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399. |  |  |  |  |  |  |  | 2 | 9/XX/2013 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624603 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2013 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624603 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Ability to Repay Not Verified | Maryland SB270: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  | 1 | 9/XX/2013 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624603 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing the TIL itemization of amount financed. |  |  |  |  |  |  | 2 | 9/XX/2013 | MD | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624531 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2002 | MI | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624531 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 1/XX/2002 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624531 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2001. |  |  |  |  |  |  |  | 1 | 1/XX/2002 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624531 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 1/XX/2002 | MI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624531 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 1/XX/2002 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624602 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: 05/XX/2006 | Appraisal was unavailable. |  |  |  |  |  |  | 3 | 5/XX/2006 | MI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No B |
| 285624602 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624602 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624602 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624602 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624605 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 7/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624605 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624605 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  | 2 | 7/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624605 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | 7/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624605 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. |  |  |  |  |  |  |  | 1 | 7/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624642 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  | 2 | 9/XX/2010 | NJ | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624642 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2010 | NJ | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624642 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 9/XX/2010 | NJ | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624642 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 9/XX/2010 | NJ | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624642 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 9/XX/2010 | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624642 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: |  |  |  |  |  |  |  | 3 | 9/XX/2010 | NJ | Primary | Refinance - Rate/Term | D |  |  | No B |
| 285624501 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285624501 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | FL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624501 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | FL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624501 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285624501 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2006 | FL | Primary | Purchase | D |  |  | No B |
| 285624576 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2007 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624576 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624576 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624576 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624576 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | NY | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624576 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | NY | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624576 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Valuation Error: APN Number not provided. | Valuation Type: Appraisal / Valuation Report Date: 12/XX/2006 |  |  |  |  |  |  |  | 1 | 2/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624604 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624604 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 11/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624604 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624597 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2008 | MD | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624597 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  |  | 1 | 3/XX/2008 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624597 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | State Late Charge | Maryland Late Charge Grace Period Testing | Note grace period less than minimum per state. | Min grace period for MD is 15 days - note states 10 |  |  |  |  |  |  | 2 | 3/XX/2008 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624581 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 3/XX/2001 | NC | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624581 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2000. |  |  |  |  |  |  |  | 1 | 3/XX/2001 | NC | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624581 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | State Defect | North Carolina Home Loan (Impermissible Prepayment Penalty) | North Carolina Home Loan: First lien mortgage loan less than $XXX contains an impermissible prepayment penalty. | PPP Expired. Prepayment charge not allowed per state (NC) - if principal amount is less than $XXX in NC then no PPP is allowed- note states 30 months at 1% of unpaid balance. Lender is XXX. |  |  |  |  |  |  | 2 | 3/XX/2001 | NC | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624581 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | State Defect | (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements |  | PPP Expired. Prepayment charge not allowed per state (NC) - if principal amount is less than $XXX in NC then no PPP is allowed- note states 30 months at 1% of unpaid balance. Lender is XXX. |  |  |  |  |  |  | 2 | 3/XX/2001 | NC | Primary | Refinance - Rate/Term | B |  |  | Yes B |
| 285624538 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  |  |  |  |  |  | 1 | 11/XX/2005 | PA | Primary | Purchase | B |  |  | No B |
| 285624619 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2005 | FL | Primary | Purchase | C |  |  | No B |
| 285624619 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. |  |  |  |  |  |  |  | 1 | 12/XX/2005 | FL | Primary | Purchase | B |  |  | No B |
| 285624619 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | FL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624619 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | FL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624565 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | AL | Primary | Refinance - Rate/Term | D |  |  | No A |
| 285624577 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | TN | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624577 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 9/XX/2005 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624577 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  |  |  |  |  |  | 1 | 9/XX/2005 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624577 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624577 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | TN | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624577 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | TN | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624578 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | TX | Primary | Purchase | C |  |  | No C |
| 285624578 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Disbursement date is earlier than notary/security instrument date. |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | TX | Primary | Purchase | C |  |  | No C |
| 285624578 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Disbursement date is earlier than final TIL signature date. |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | TX | Primary | Purchase | C |  |  | No C |
| 285624578 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | TX | Primary | Purchase | C |  |  | No C |
| 285624578 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | TX | Primary | Purchase | B |  |  | No C |
| 285624578 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | TX | Primary | Purchase | B |  |  | No C |
| 285624517 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624517 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: 07/XX/2007 |  |  |  |  |  |  |  | 3 | 7/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No B |
| 285624517 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624517 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | State Late Charge | Maryland Late Charge Grace Period Testing | Note grace period less than minimum per state. | Grace period not allowed per state (MD) – min grace period for MD is 15 days - note states 7 days |  |  |  |  |  |  | 2 | 7/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624517 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624517 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624517 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No B |
| 285624517 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | Grace period not allowed per state (MD) – min grace period for MD is 15 days - note states 7 days |  |  |  |  |  |  | 2 | 7/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624517 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 7/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624579 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | SC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624579 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624579 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624606 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624606 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  | 1 | 10/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624516 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624516 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 1/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624516 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  |  |  |  |  |  | 1 | 1/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624516 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624516 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624516 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: AVM / Valuation Report Date: 01/XX/2007 |  |  |  |  |  |  |  | 3 | 1/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No B |
| 285624529 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | IL | Primary | Purchase | C |  |  | No B |
| 285624529 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  |  |  |  |  |  | 1 | 3/XX/2006 | IL | Primary | Purchase | B |  |  | No B |
| 285624529 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | IL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624529 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | IL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624500 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2004 | MI | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624500 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004. |  |  |  |  |  |  |  | 1 | 3/XX/2004 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624500 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624500 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624500 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624500 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | MI | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285624500 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624500 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | MI | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285624497 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2007 | TX | Primary | Purchase | C |  |  | No D |
| 285624497 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2007 | TX | Primary | Purchase | B |  |  | No D |
| 285624497 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 3/XX/2007 | TX | Primary | Purchase | B |  |  | No D |
| 285624497 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 3/XX/2007 | TX | Primary | Purchase | D |  |  | No D |
| 285624497 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 3/XX/2007 | TX | Primary | Purchase | B |  |  | No D |
| 285624497 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | TX | Primary | Purchase | B |  |  | No D |
| 285624497 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2018/XX/05): Unable to clear exceptions with trailing documents provided. | 4/XX/2018 9:13:45 AM |  |  |  | 1 | 3/XX/2007 | TX | Primary | Purchase | A |  |  | No D |
| 285624545 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | UTD | UTD - UTD | C |  |  | No D |
| 285624545 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 5/XX/2006 | FL | UTD | UTD - UTD | B |  |  | No D |
| 285624545 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | UTD | UTD - UTD | D |  |  | No D |
| 285624545 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2018/XX/05): Unable to clear exceptions with trailing documents provided. | 4/XX/2018 5:30:10 PM |  |  |  | 1 | 5/XX/2006 | FL | UTD | UTD - UTD | A |  |  | No D |
| 285624545 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 5/XX/2006 | FL | UTD | UTD - UTD | B |  |  | No D |
| 285624545 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | FL | UTD | UTD - UTD | B |  |  | No D |
| 285624545 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | UTD | UTD - UTD | D |  |  | No D |
| 285624545 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | FL | UTD | UTD - UTD | B |  |  | No D |
| 285624545 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | FL | UTD | UTD - UTD | No Defined Cure B |  |  | No D |
| 285624545 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | FL | UTD | UTD - UTD | No Defined Cure B |  |  | No D |
| 285624545 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | FL | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes D |
| 285624545 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | FL | UTD | UTD - UTD | B |  |  | No D |
| 285624545 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | UTD | UTD - UTD | D |  |  | No D |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2006 | GA | Investment | Purchase | C |  |  | No B |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  | Reviewer Comment (2018/XX/05): Cleared with appraisal received | 4/XX/2018 10:17:19 AM |  |  |  | 1 | 12/XX/2006 | GA | Investment | Purchase | A |  |  | No B |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  | Reviewer Comment (2018/XX/05): Cleared with appraisal received | 4/XX/2018 10:17:33 AM |  |  |  | 1 | 12/XX/2006 | GA | Investment | Purchase | A |  |  | No B |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 12/XX/2006 | GA | Investment | Purchase | B |  |  | No B |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  | Reviewer Comment (2018/XX/05): Cleared with evidence of occupancy from final 1003 received | 4/XX/2018 10:18:52 AM |  |  |  | 1 | 12/XX/2006 | GA | Investment | Purchase | A |  |  | No B |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 12/XX/2006 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2018/XX/05): Cleared with HUD received | 4/XX/2018 10:13:22 AM |  |  |  | 1 | 12/XX/2006 | GA | Investment | Purchase | A |  |  | No B |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2018/XX/05): Cleared with HUD received | 4/XX/2018 10:13:22 AM |  |  |  | 1 | 12/XX/2006 | GA | Investment | Purchase | A |  |  | No B |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2018/XX/05): Cleared with HUD received | 4/XX/2018 10:13:22 AM |  |  |  | 1 | 12/XX/2006 | GA | Investment | Purchase | A |  |  | No B |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  | Reviewer Comment (2018/XX/05): Cleared with occupancy of investment property received | 4/XX/2018 10:13:22 AM |  |  |  | 1 | 12/XX/2006 | GA | Investment | Purchase | No Defined Cure A |  |  | No B |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Reviewer Comment (2018/XX/05): Cleared with occupancy of investment property received | 4/XX/2018 10:13:22 AM |  |  |  | 1 | 12/XX/2006 | GA | Investment | Purchase | No Defined Cure A |  |  | No B |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Reviewer Comment (2018/XX/05): Cleared with occupancy of investment property received | 4/XX/2018 10:13:22 AM |  |  |  | 1 | 12/XX/2006 | GA | Investment | Purchase | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes B |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Reviewer Comment (2018/XX/05): Cleared with occupancy of investment property received | 4/XX/2018 10:13:22 AM |  |  |  | 1 | 12/XX/2006 | GA | Investment | Purchase | A |  |  | No B |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  | Reviewer Comment (2018/XX/05): Cleared with occupancy of investment property received | 4/XX/2018 10:13:22 AM |  |  |  | 1 | 12/XX/2006 | GA | Investment | Purchase | A |  |  | No B |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 12/XX/2006 | GA | Investment | Purchase | D |  |  | No B |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment) | Discrepancy in Occupancy does not have high cost implications. Testing loan as primary residence does not result in high cost findings. |  |  |  |  |  |  | 2 | 12/XX/2006 | GA | Investment | Purchase | B |  |  | No B |
| 285624512 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  |  |  |  |  |  |  | 1 | 12/XX/2006 | GA | Investment | Purchase | B |  |  | No B |
| 285624546 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2007 | MD | Primary | Purchase | C |  |  | No B |
| 285624546 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  | 3 | 11/XX/2007 | MD | Primary | Purchase | D |  |  | No B |
| 285624546 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 11/XX/2007 | MD | Primary | Purchase | B |  |  | No B |
| 285624546 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2018/XX/05): Cleared disbursement date with trailing documents provided. | 4/XX/2018 7:11:32 AM |  |  |  | 1 | 11/XX/2007 | MD | Primary | Purchase | A |  |  | No B |
| 285624546 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2018/XX/05): Cleared HUD -1 with trailing documents provided. | 4/XX/2018 7:11:46 AM |  |  |  | 1 | 11/XX/2007 | MD | Primary | Purchase | A |  |  | No B |
| 285624546 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 11/XX/2007 | MD | Primary | Purchase | B |  |  | No B |
| 285624546 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Reviewer Comment (2018/XX/05): Cleared Final TIL with trailing documents provided. | 4/XX/2018 7:12:04 AM |  |  |  | 1 | 11/XX/2007 | MD | Primary | Purchase | A |  |  | No B |
| 285624546 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/2007 | MD | Primary | Purchase | B |  |  | No B |
| 285624623 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624623 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  | Reviewer Comment (2018/XX/05): Appraisal received 4/XX/18 | 4/XX/2018 7:23:51 PM |  |  |  | 1 | 5/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| 285624623 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  | Reviewer Comment (2018/XX/05): Appraisal received 4/XX/18 | 4/XX/2018 7:36:37 PM |  |  |  | 1 | 5/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| 285624623 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2018/XX/05): GFE received 4/XX/18 | 4/XX/2018 8:30:02 PM |  |  |  | 1 | 5/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| 285624623 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 05/XX/2007 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2018/XX/05): Final HUD received 4/XX/07 | 4/XX/2018 8:24:30 PM |  |  |  | 1 | 5/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| 285624623 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2018/XX/05): Final HUD received 4/XX/07 | 4/XX/2018 8:24:00 PM |  |  |  | 1 | 5/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| 285624623 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624623 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 5/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624623 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Reviewer Comment (2018/XX/05): RTC provided 4/XX/18 | 4/XX/2018 7:43:01 PM |  |  |  | 1 | 5/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes B |
| 285624623 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Reviewer Comment (2018/XX/05): Final TIL received 4/XX/18 | 4/XX/2018 7:43:38 PM |  |  |  | 1 | 5/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| 285624623 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624496 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/2007 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624496 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624496 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624496 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624496 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624496 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Reviewer Comment (2018/XX/05): ROR received | 4/XX/2018 11:59:52 AM |  |  |  | 1 | 6/XX/2007 | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes B |
| 285624496 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Reviewer Comment (2018/XX/05): TIL received | 4/XX/2018 11:59:52 AM |  |  |  | 1 | 6/XX/2007 | GA | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| 285624496 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | GA | Primary | Refinance - Cash-out - Other | D |  |  | No B |
| 285624496 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: |  |  | Reviewer Comment (2018/XX/05): Appraisal provided | 4/XX/2018 12:00:30 PM |  |  |  | 1 | 6/XX/2007 | GA | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| 285624496 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: | Valuation Type: Stated / Valuation Report Date: Stated is missing |  |  | Reviewer Comment (2018/XX/05): Appraisal provided | 4/XX/2018 12:00:41 PM |  |  |  | 1 | 6/XX/2007 | GA | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| 285625619 | XXX | XXX | XXX | XXX | 12/XX/2018 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one origination valuation product when two are required. |  | Missing secondary valuation. |  | Reviewer Comment (2018/XX/20): The buyer has elected to waive this exception.<br>Buyer Comment (2018/XX/19): Waived |  |  |  | 12/XX/2018 5:51:19 AM | 1 | 11/XX/2018 | TX | Investment | Refinance - Cash-out - Other | C | N/A | Exempt from ATR | No C |
| 285625619 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Asset | Asset Documentation | Asset | Guideline Issue: Insufficient asset documentation. | Financial Institution: XXX // Account Type: Checking / Account Number: XXX | Only 1 month asset statement provided for Bank of America account #XXX guides require 2 months. |  | Reviewer Comment (2018/XX/31): The buyer has elected to waive this exception.<br>Buyer Comment (2018/XX/28): Waived |  |  |  | 12/XX/2018 5:52:36 AM | 3 | 11/XX/2018 | TX | Investment | Refinance - Cash-out - Other | C | N/A | Exempt from ATR | No C |
| 285625619 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Only 1 month of bank statements was provided and 2 were required per the AUS. |  | Reviewer Comment (2018/XX/31): The buyer has elected to waive this exception.<br>Buyer Comment (2018/XX/28): Waived |  |  |  | 12/XX/2018 5:52:45 AM | 3 | 11/XX/2018 | TX | Investment | Refinance - Cash-out - Other | C | N/A | Exempt from ATR | No C |
| 285625619 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2018/XX/20): The buyer has elected to waive this exception.<br>Buyer Comment (2018/XX/19): Waived |  |  |  | 12/XX/2018 5:51:28 AM | 1 | 11/XX/2018 | TX | Investment | Refinance - Cash-out - Other | B | N/A | Exempt from ATR | No C |
| 285625620 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject is located in a FEMA Disaster Area. A post-disaster inspection is required verifying there was no damage to the subject. The inspection must include exterior photos of the subject. |  | Reviewer Comment (2018/XX/20): The buyer has elected to waive this exception.<br>Buyer Comment (2018/XX/19): Waived |  |  |  | 12/XX/2018 5:55:03 AM | 3 | 10/XX/2018 | CA | Investment | Refinance - Cash-out - Other | C | N/A | Exempt from ATR | No C |
| 285625620 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2018/XX/20): The buyer has elected to waive this exception.<br>Buyer Comment (2018/XX/19): Waived |  |  |  | 12/XX/2018 5:55:13 AM | 3 | 10/XX/2018 | CA | Investment | Refinance - Cash-out - Other | C | N/A | Exempt from ATR | No C |
| 285625620 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX | A Fraud report was not provided in the file. |  | Reviewer Comment (2018/XX/21): Received fraud report. Cleared.<br>Seller Comment (2018/XX/20): Fraud Guard attached. | 12/XX/2018 6:44:43 AM |  |  |  | 1 | 10/XX/2018 | CA | Investment | Refinance - Cash-out - Other | A | N/A | Exempt from ATR | No C |
| 285625621 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing from subject file. |  | Reviewer Comment (2018/XX/21): Received fraud report. Cleared.<br>Seller Comment (2018/XX/20): Fraud Guard attached. | 12/XX/2018 6:52:56 AM |  |  |  | 1 | 10/XX/2018 | IL | Investment | Refinance - Cash-out - Other | A | N/A | Exempt from ATR | No A |
| 285624958 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX | Subject loan was approved with stated appraised value. File is missing verification the subject property was not affected by the FEMA Disaster dated XX/XX/XXXX. |  |  |  |  |  |  | 3 | 3/XX/2015 | CO | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No B |
| 285624958 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. | List of Service Providers is missing from the imaged file. |  |  |  |  |  |  | 2 | 3/XX/2015 | CO | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No B |
| 285624958 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard insurance amount of $XXX is not enough to cover the loan amount of $XXX and an appraisal was not required. File is missing documentation from the property insurer to establish their opinion of the property's true replacement cost in order to determine if the amount of coverage is sufficient. |  |  |  |  |  |  | 3 | 3/XX/2015 | CO | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No B |
| 285624845 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 5/XX/2003 | NC | Primary | Purchase | C |  |  | No B |
| 285624845 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. |  |  |  |  |  |  |  | 1 | 5/XX/2003 | NC | Primary | Purchase | B |  |  | No B |
| 285624845 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | NC | Primary | Purchase | B |  |  | No B |
| 285624845 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | NC | Primary | Purchase | B |  |  | No B |
| 285624829 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. |  |  |  |  |  |  |  | 1 | 3/XX/2005 | TN | Investment | Refinance - Rate/Term | B |  |  | No B |
| 285624809 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | TX | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624743 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  | 1 | 1/XX/2007 | NV | Primary | Purchase | B |  |  | No B |
| 285624743 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 1/XX/2007 | NV | Primary | Purchase | B |  |  | No B |
| 285624743 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 1/XX/2007 | NV | Primary | Purchase | B |  |  | No B |
| 285624742 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624742 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624733 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2006 | MD | Primary | Purchase | B |  |  | No B |
| 285624733 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 4/XX/2006 | MD | Primary | Purchase | B |  |  | No B |
| 285624733 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 4/XX/2006 | MD | Primary | Purchase | C |  |  | No B |
| 285624733 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | MD | Primary | Purchase | B |  |  | No B |
| 285624733 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 4/XX/2006 | MD | Primary | Purchase | B |  |  | No B |
| 285624713 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 8/XX/2007 | WA | Primary | Purchase | B |  |  | No B |
| 285624713 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | WA | Primary | Purchase | B |  |  | No B |
| 285624713 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received |  |  |  |  |  |  | 2 | 8/XX/2007 | WA | Primary | Purchase | B |  |  | No B |
| 285624661 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624661 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624661 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  | GFE missing |  |  |  |  |  |  | 1 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624661 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2002. |  |  |  |  |  |  |  | 1 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624661 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Grace Period Testing | Note grace period less than minimum per state. | 5% late charge exceeds 2% maximum per state NY. |  |  |  |  |  |  | 2 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624661 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Note late charge exceeds maximum per state. | 5% late charge exceeds 2% maximum per state NY. |  |  |  |  |  |  | 2 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624661 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2002, prior to three (3) business days from transaction date of 12/XX/2002. |  |  |  |  |  |  |  | 2 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624660 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624660 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  | 2 | 9/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624660 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624660 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624660 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 9/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624660 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. |  |  |  |  |  |  |  | 1 | 9/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624660 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624852 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2000 | MI | Primary | Purchase | C |  |  | No B |
| 285624852 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2000 | MI | Primary | Purchase | C |  |  | No B |
| 285624852 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2000. |  |  |  |  |  |  |  | 1 | 10/XX/2000 | MI | Primary | Purchase | B |  |  | No B |
| 285624852 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 10/XX/2000 | MI | Primary | Purchase | B |  |  | No B |
| 285624851 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2000 | OH | Primary | Purchase | C |  |  | No D |
| 285624851 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2000 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 10/XX/2000 | OH | Primary | Purchase | B |  |  | No D |
| 285624851 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 10/XX/2000 | OH | Primary | Purchase | D |  |  | No D |
| 285624851 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2000. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 10/XX/2000 | OH | Primary | Purchase | B |  |  | No D |
| 285624851 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 10/XX/2000 | OH | Primary | Purchase | B |  |  | No D |
| 285624851 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 10/XX/2000 | OH | Primary | Purchase | B |  |  | No D |
| 285624851 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/2000 | OH | Primary | Purchase | B |  |  | No D |
| 285624850 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2000 | NC | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624850 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 10/XX/2000 | NC | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624850 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 10/XX/2000 | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624850 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 10/XX/2000 | NC | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624849 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2002 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624849 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2002. |  |  |  |  |  |  |  | 1 | 9/XX/2002 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624849 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 9/XX/2002 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624849 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 9/XX/2002 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624848 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2002 | CO | Primary | Purchase | C |  |  | No B |
| 285624848 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002. |  |  |  |  |  |  |  | 1 | 10/XX/2002 | CO | Primary | Purchase | B |  |  | No B |
| 285624848 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | The itemization of amount financed did not include the escrow service fee of $XXX or courier fee of $XXX as prepaid finance charges, the closing fee on the HUD is $XXX the itemization indicates $XXX. |  |  |  |  |  |  | 2 | 10/XX/2002 | CO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624847 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/1998 | FL | Primary | Construction-Permanent | C |  |  | No D |
| 285624847 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 11/XX/1998 | FL | Primary | Construction-Permanent | B |  |  | No D |
| 285624847 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/1998 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 11/XX/1998 | FL | Primary | Construction-Permanent | B |  |  | No D |
| 285624847 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 11/XX/1998 | FL | Primary | Construction-Permanent | D |  |  | No D |
| 285624847 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/1998. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 11/XX/1998 | FL | Primary | Construction-Permanent | B |  |  | No D |
| 285624847 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 11/XX/1998 | FL | Primary | Construction-Permanent | No Defined Cure B |  |  | No D |
| 285624847 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 11/XX/1998 | FL | Primary | Construction-Permanent | No Defined Cure B |  |  | No D |
| 285624844 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. |  |  |  |  |  |  |  | 1 | 5/XX/2003 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624844 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624844 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624844 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624844 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624841 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004. |  |  |  |  |  |  |  | 1 | 6/XX/2004 | CA | Second Home | Purchase | B |  |  | No B |
| 285624841 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  | 1 | 6/XX/2004 | CA | Second Home | Purchase | B |  |  | No B |
| 285624838 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2004 | OH | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624838 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2004 | OH | Primary | Purchase | B |  |  | No B |
| 285624831 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624830 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624830 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624828 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | CA | Primary | Purchase | D |  |  | No D |
| 285624828 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No D |
| 285624828 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  |  |  |  |  |  | 1 | 4/XX/2005 | CA | Primary | Purchase | B |  |  | No D |
| 285624828 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No D |
| 285624827 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  |  |  | 1 | 6/XX/2005 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624827 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624827 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | OH | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624827 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | OH | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624825 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Application is incomplete missing signatures for all borrowers. |  |  |  |  |  |  | 3 | 10/XX/2005 | MS | Primary | Purchase | C |  |  | No B |
| 285624825 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. |  |  |  |  |  |  |  | 1 | 10/XX/2005 | MS | Primary | Purchase | B |  |  | No B |
| 285624824 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Purchase | D |  |  | No D |
| 285624824 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  |  |  | 1 | 11/XX/2005 | CA | Primary | Purchase | B |  |  | No D |
| 285624824 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No D |
| 285624824 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No D |
| 285624822 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | AL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624822 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | AL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624822 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624821 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624821 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  |  |  |  |  |  | 1 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624821 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624821 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624820 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. |  |  |  |  |  |  |  | 1 | 12/XX/2005 | CT | Primary | Purchase | B |  |  | No B |
| 285624820 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CT | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624820 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CT | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624819 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  |  |  |  |  |  | 1 | 12/XX/2005 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624819 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | MD | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285624819 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | MD | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285624818 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No D |
| 285624818 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No D |
| 285624817 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. |  |  |  |  |  |  |  | 1 | 4/XX/2006 | NY | Primary | Purchase | B |  |  | No B |
| 285624814 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624814 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. |  |  |  |  |  |  |  | 1 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624814 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624814 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624813 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2005 | MD | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624813 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 11/XX/2005 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624813 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  |  |  |  |  |  | 1 | 11/XX/2005 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624813 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624812 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624812 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624812 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  |  |  |  |  |  | 1 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624812 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624812 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624811 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. |  |  |  |  |  |  |  | 1 | 2/XX/2006 | WV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624811 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | WV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624807 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624807 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CT | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624806 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2006 | IN | Primary | Purchase | C |  |  | No B |
| 285624806 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  |  |  | 1 | 7/XX/2006 | IN | Primary | Purchase | B |  |  | No B |
| 285624806 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | IN | Primary | Purchase | B |  |  | No B |
| 285624805 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2006 | TN | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624805 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | TN | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624804 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624804 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624804 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624804 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  |  |  |  |  |  | 1 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624804 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624804 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624804 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624804 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624801 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624800 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624800 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624798 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | AZ | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624798 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | AZ | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624798 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | AZ | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624796 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | OH | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624796 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | OH | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624796 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | OH | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624796 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | OH | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624796 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | OH | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624796 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | OH | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624796 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not disclose an admin fee of $XXX a closing protection letter fee of $XXX and a wire fee of $XXX as prepaid finance charges. |  |  |  |  |  |  | 2 | 2/XX/2007 | OH | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624795 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624795 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624793 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | KY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624792 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624792 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624791 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624791 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624791 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624790 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624790 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624790 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624790 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624790 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624790 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing final itemization of amount financed. |  |  |  |  |  |  | 2 | 6/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624788 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | TX | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624785 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | AL | Primary | Purchase | B |  |  | No B |
| 285624783 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | MN | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624783 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | MN | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624782 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | MA | Primary | Purchase | C |  |  | No B |
| 285624782 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | MA | Primary | Purchase | B |  |  | No B |
| 285624782 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | MA | Primary | Purchase | B |  |  | No B |
| 285624781 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624781 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624781 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624781 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624781 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624781 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2009. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624781 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624779 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Second Home | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624779 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | CA | Second Home | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624778 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624777 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.28286% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2007) (an overage of $XXX or .28286%). |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624777 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624777 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624777 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624776 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624776 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624774 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624774 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624771 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285624771 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624770 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 6.51917% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2007) (an overage of $XXX or 1.51917%). |  |  |  |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624770 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624769 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 6.01894% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2007) (an overage of $XXX or 1.01894%). |  |  |  |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624769 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624768 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Title | Final Title Policy is missing. No evidence of title was found in file. |  |  |  |  |  |  |  |  | 1 | 8/XX/2007 | OH | Primary | Purchase | B |  |  | No B |
| 285624768 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | OH | Primary | Purchase | B |  |  | No B |
| 285624768 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | OH | Primary | Purchase | B |  |  | No B |
| 285624768 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | OH | Primary | Purchase | B |  |  | No B |
| 285624768 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | OH | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624768 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | OH | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624767 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624767 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624767 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624767 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Under disclosure caused by combination of TIL itemization showing $XXX Closing fee while the FHUD shows $XXX; and Neg Am payment stream variance. |  |  |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624765 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2007 | NC | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624765 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | NC | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624765 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | NC | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624764 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | UT | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624764 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  | 1 | 10/XX/2007 | UT | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624764 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | UT | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624761 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624761 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624760 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  | 2 | 2/XX/2008 | DE | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624760 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | DE | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624760 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | DE | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624760 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 2/XX/2008 | DE | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624759 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624759 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | PA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624759 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2008. |  |  |  |  |  |  |  | 1 | 3/XX/2008 | PA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624759 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | PA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624758 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 4/XX/2008 | CA | Primary | Purchase | B |  |  | No B |
| 285624758 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | CA | Primary | Purchase | B |  |  | No B |
| 285624758 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | CA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624758 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | CA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624757 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | NJ | Primary | Purchase | B |  |  | No B |
| 285624757 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | NJ | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624756 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | WI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624756 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | WI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624755 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2008 | CA | Primary | Purchase | C |  |  | No B |
| 285624755 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower |  |  |  |  |  |  | 2 | 6/XX/2008 | CA | Primary | Purchase | B |  |  | No B |
| 285624755 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2008 | CA | Primary | Purchase | B |  |  | No B |
| 285624755 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to source under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 6/XX/2008 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624754 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 11/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624754 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624754 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 11/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624754 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 11/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624753 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/1997 | PA | Primary | Purchase | C |  |  | No D |
| 285624753 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/1997 | PA | Primary | Purchase | B |  |  | No D |
| 285624753 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1997 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 7/XX/1997 | PA | Primary | Purchase | B |  |  | No D |
| 285624753 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 7/XX/1997 | PA | Primary | Purchase | D |  |  | No D |
| 285624753 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/1997. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 7/XX/1997 | PA | Primary | Purchase | B |  |  | No D |
| 285624753 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 7/XX/1997 | PA | Primary | Purchase | B |  |  | No D |
| 285624753 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 7/XX/1997 | PA | Primary | Purchase | B |  |  | No D |
| 285624753 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 7/XX/1997 | PA | Primary | Purchase | B |  |  | No D |
| 285624752 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | No evidence of Prelininary or Final Title in file. |  |  |  |  |  |  | 3 | 9/XX/2007 | NC | Primary | Purchase | C |  |  | No B |
| 285624752 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NC | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624752 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NC | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624752 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 9/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285624752 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285624752 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285624752 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 9/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285624750 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower |  |  |  |  |  |  | 2 | 3/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285624750 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285624750 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285624749 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | MD | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| 285624746 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 12/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285624746 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 12/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285624746 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 12/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285624746 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285624746 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 12/XX/2006 | FL | Primary | Purchase | C |  |  | No B |
| 285624745 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 1/XX/2007 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624745 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 1/XX/2007 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624745 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624745 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 1/XX/2007 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624744 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 1/XX/2008 | MA | Primary | Purchase | B |  |  | No B |
| 285624744 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | MA | Primary | Purchase | B |  |  | No B |
| 285624744 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 1/XX/2008 | MA | Primary | Purchase | B |  |  | No B |
| 285624741 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2008 | CA | Primary | Purchase | B |  |  | No D |
| 285624741 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 2/XX/2008 | CA | Primary | Purchase | D |  |  | No D |
| 285624741 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | CA | Primary | Purchase | B |  |  | No D |
| 285624741 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 2/XX/2008 | CA | Primary | Purchase | B |  |  | No D |
| 285624740 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2006 | NJ | Primary | Purchase | B |  |  | No B |
| 285624740 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | NJ | Primary | Purchase | B |  |  | No B |
| 285624740 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | NJ | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624740 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 2/XX/2006 | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624739 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/2005 | NM | Primary | Purchase | B |  |  | No B |
| 285624739 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2005 | NM | Primary | Purchase | B |  |  | No B |
| 285624739 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | NM | Primary | Purchase | B |  |  | No B |
| 285624739 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | NM | Primary | Purchase | B |  |  | No B |
| 285624736 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/2004 | HI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624736 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  |  |  |  |  |  | 1 | 9/XX/2004 | HI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624736 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | HI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624736 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | HI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624736 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | HI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624736 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | HI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624735 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  |  |  |  |  |  |  | 1 | 12/XX/2006 | AR | Primary | Purchase | B |  |  | No B |
| 285624735 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 12/XX/2006 | AR | Primary | Purchase | B |  |  | No B |
| 285624735 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | AR | Primary | Purchase | B |  |  | No B |
| 285624732 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285624732 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285624732 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285624732 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624732 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285624731 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2006 | NC | Primary | Purchase | B |  |  | No B |
| 285624731 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 6/XX/2006 | NC | Primary | Purchase | B |  |  | No B |
| 285624731 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 6/XX/2006 | NC | Primary | Purchase | B |  |  | No B |
| 285624730 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 3/XX/2004 | TX | Primary | Purchase | B |  |  | No B |
| 285624730 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | TX | Primary | Purchase | B |  |  | No B |
| 285624729 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2007 | NC | Primary | Purchase | D |  |  | No B |
| 285624729 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285624729 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 3/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285624729 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 3/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285624727 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2006 | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624727 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624727 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CT | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624727 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 3/XX/2006 | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624727 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 3/XX/2006 | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624726 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 7/XX/2005 | NM | Primary | Purchase | B |  |  | No B |
| 285624726 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | NM | Primary | Purchase | B |  |  | No B |
| 285624721 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | MD | Primary | Purchase | B |  |  | No B |
| 285624721 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MD | Primary | Purchase | B |  |  | No B |
| 285624721 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MD | Primary | Purchase | B |  |  | No B |
| 285624721 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor Initialed by borrower. |  |  |  |  |  |  | 2 | 6/XX/2007 | MD | Primary | Purchase | B |  |  | No B |
| 285624719 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285624717 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 6/XX/2007 | NY | Primary | Purchase | B |  |  | No B |
| 285624717 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | NY | Primary | Purchase | B |  |  | No B |
| 285624717 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | NY | Primary | Purchase | B |  |  | No B |
| 285624715 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624715 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624714 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | RI | Primary | Purchase | B |  |  | No B |
| 285624714 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | RI | Primary | Purchase | B |  |  | No B |
| 285624714 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | RI | Primary | Purchase | B |  |  | No B |
| 285624714 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | RI | Primary | Purchase | B |  |  | No B |
| 285624710 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 6/XX/2006 | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624710 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 6/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285624710 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 6/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285624709 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | AR | Primary | Purchase | B |  |  | No B |
| 285624709 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 7.57200% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2007) (an overage of $XXX or 2.57200%). | High Cost Analysis (D0117) does not show a failed test however it does not appear that any fees were used in computing the test. |  |  |  |  |  |  | 2 | 9/XX/2007 | AR | Primary | Purchase | B |  |  | No B |
| 285624709 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL in file indicated to be final, but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 9/XX/2007 | AR | Primary | Purchase | B |  |  | No B |
| 285624709 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/2007 | AR | Primary | Purchase | B |  |  | No B |
| 285624708 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 2/XX/2007 | WI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624708 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | WI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624708 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | WI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624708 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | WI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624708 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | WI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624708 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 2/XX/2007 | WI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624707 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | MO | Primary | Purchase | B |  |  | No B |
| 285624707 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 1/XX/2007 | MO | Primary | Purchase | B |  |  | No B |
| 285624706 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624706 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624706 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624706 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624705 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 5/XX/2004 | TX | Primary | Purchase | B |  |  | No D |
| 285624705 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 5/XX/2004 | TX | Primary | Purchase | D |  |  | No D |
| 285624705 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 5/XX/2004 | TX | Primary | Purchase | B |  |  | No D |
| 285624705 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003. |  |  |  |  |  |  |  | 1 | 5/XX/2004 | TX | Primary | Purchase | B |  |  | No D |
| 285624703 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | MN | Primary | Purchase | C |  |  | No B |
| 285624703 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 8/XX/2006 | MN | Primary | Purchase | B |  |  | No B |
| 285624703 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  |  | 1 | 8/XX/2006 | MN | Primary | Purchase | B |  |  | No B |
| 285624703 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | MN | Primary | Purchase | B |  |  | No B |
| 285624703 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | MN | Primary | Purchase | B |  |  | No B |
| 285624703 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | MN | Primary | Purchase | B |  |  | No B |
| 285624702 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | NY | Primary | Purchase | B |  |  | No B |
| 285624702 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  | 1 | 12/XX/2006 | NY | Primary | Purchase | B |  |  | No B |
| 285624702 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | NY | Primary | Purchase | B |  |  | No B |
| 285624701 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 4/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624701 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624701 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 4/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624700 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2005 | NJ | Primary | Purchase | C |  |  | No B |
| 285624700 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 4/XX/2005 | NJ | Primary | Purchase | B |  |  | No B |
| 285624700 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | NJ | Primary | Purchase | B |  |  | No B |
| 285624700 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 4/XX/2005 | NJ | Primary | Purchase | B |  |  | No B |
| 285624700 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2018/XX/21): HUD provided. Condition cleared. | 12/XX/2018 8:48:16 AM |  |  |  | 1 | 4/XX/2005 | NJ | Primary | Purchase | A |  |  | No B |
| 285624700 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2018/XX/21): HUD provided. Condition cleared. | 12/XX/2018 8:48:16 AM |  |  |  | 1 | 4/XX/2005 | NJ | Primary | Purchase | A |  |  | No B |
| 285624700 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | NJ | Primary | Purchase | B |  |  | No B |
| 285624700 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. |  |  |  |  |  |  |  | 1 | 4/XX/2005 | NJ | Primary | Purchase | B |  |  | No B |
| 285624697 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 12/XX/2005 | CA | Primary | Purchase | B |  |  | No B |
| 285624697 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Purchase | B |  |  | No B |
| 285624696 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2006 | TX | Primary | Purchase | D |  |  | No B |
| 285624696 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 1/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285624696 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285624696 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2006 | TX | Primary | Purchase | C |  |  | No B |
| 285624695 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285624693 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 4/XX/2007 | TX | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624693 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | TX | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624693 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624693 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 4/XX/2007 | TX | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624692 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 12/XX/2004 | TX | Primary | Purchase | B |  |  | No B |
| 285624692 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | TX | Primary | Purchase | B |  |  | No B |
| 285624691 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 1/XX/2004 | FL | Second Home | Purchase | B |  |  | No B |
| 285624691 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 1/XX/2004 | FL | Second Home | Purchase | B |  |  | No B |
| 285624691 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2004 | FL | Second Home | Purchase | C |  |  | No B |
| 285624690 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 4/XX/2006 | NM | Primary | Purchase | B |  |  | No B |
| 285624690 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 4/XX/2006 | NM | Primary | Purchase | B |  |  | No B |
| 285624690 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  |  |  |  |  |  | 1 | 4/XX/2006 | NM | Primary | Purchase | B |  |  | No B |
| 285624690 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | NM | Primary | Purchase | B |  |  | No B |
| 285624688 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 12/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285624688 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285624688 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285624688 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285624687 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | NC | Primary | Purchase | C |  |  | No B |
| 285624687 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | NC | Primary | Purchase | B |  |  | No B |
| 285624687 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 10/XX/2006 | NC | Primary | Purchase | B |  |  | No B |
| 285624687 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 10/XX/2006 | NC | Primary | Purchase | B |  |  | No B |
| 285624686 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 12/XX/2004 | MA | Primary | Purchase | B |  |  | No B |
| 285624686 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 12/XX/2004 | MA | Primary | Purchase | B |  |  | No B |
| 285624686 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | MA | Primary | Purchase | B |  |  | No B |
| 285624686 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | MA | Primary | Purchase | B |  |  | No B |
| 285624684 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285624684 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285624684 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285624684 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 3/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285624684 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 3/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285624683 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 12/XX/2004 | NM | Primary | Purchase | B |  |  | No B |
| 285624683 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | NM | Primary | Purchase | B |  |  | No B |
| 285624681 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 11/XX/2006 | MO | Primary | Purchase | B |  |  | No B |
| 285624681 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 11/XX/2006 | MO | Primary | Purchase | B |  |  | No B |
| 285624681 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | MO | Primary | Purchase | B |  |  | No B |
| 285624681 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 11/XX/2006 | MO | Primary | Purchase | B |  |  | No B |
| 285624679 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624679 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624679 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine cause of under-disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 2/XX/2007 | MO | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624679 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624679 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624677 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 11/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285624677 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 11/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285624676 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | NJ | Primary | Purchase | C |  |  | No B |
| 285624676 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | NJ | Primary | Purchase | B |  |  | No B |
| 285624676 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower |  |  |  |  |  |  | 2 | 5/XX/2007 | NJ | Primary | Purchase | B |  |  | No B |
| 285624676 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received |  |  |  |  |  |  | 2 | 5/XX/2007 | NJ | Primary | Purchase | B |  |  | No B |
| 285624674 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2003 | TN | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624674 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2002. |  |  |  |  |  |  |  | 1 | 2/XX/2003 | TN | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624674 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 2/XX/2003 | TN | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624674 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 2/XX/2003 | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624674 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 2/XX/2003 | TN | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624674 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 2/XX/2003 | TN | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624674 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 2/XX/2003 | TN | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624673 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2004 | MI | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624673 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  |  |  |  |  |  | 1 | 9/XX/2004 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624673 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624673 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624673 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624673 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624672 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2001 | LA | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624672 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2001 | LA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624672 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2001 | LA | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624672 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 4/XX/2001 | LA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624672 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2000. |  |  |  |  |  |  |  | 1 | 4/XX/2001 | LA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624672 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 4/XX/2001 | LA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624672 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 4/XX/2001 | LA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624672 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 4/XX/2001 | LA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624672 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  | 1 | 4/XX/2001 | LA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624672 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not disclose a recording/courier fee of $XXX and a tax research fee of $XXX as prepaid finance charge |  |  |  |  |  |  | 2 | 4/XX/2001 | LA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624672 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2001 | LA | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624672 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2001 | LA | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624672 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: HUD/VA 92900-A not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2001 | LA | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624671 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 6.20052% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 1.20052%). |  |  |  |  |  |  |  | 2 | 11/XX/2001 | OK | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624671 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2001. |  |  |  |  |  |  |  | 1 | 11/XX/2001 | OK | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624671 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 11/XX/2001 | OK | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624671 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2001 | OK | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285624671 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2001 | OK | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285624671 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 11/XX/2001 | OK | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624671 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/2001 | OK | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624671 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 11/XX/2001 | OK | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624671 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 11/XX/2001 | OK | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624664 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2002 | NY | Primary | UTD - UTD | C |  |  | No D |
| 285624664 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/2002 | NY | Primary | UTD - UTD | B |  |  | No D |
| 285624664 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/2002 | NY | Primary | UTD - UTD | B |  |  | No D |
| 285624664 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 9/XX/2002 | NY | Primary | UTD - UTD | C |  |  | No D |
| 285624664 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 9/XX/2002 | NY | Primary | UTD - UTD | B |  |  | No D |
| 285624664 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 9/XX/2002 | NY | Primary | UTD - UTD | D |  |  | No D |
| 285624664 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 9/XX/2002 | NY | Primary | UTD - UTD | B |  |  | No D |
| 285624664 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 9/XX/2002 | NY | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes D |
| 285624664 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 9/XX/2002 | NY | Primary | UTD - UTD | B |  |  | No D |
| 285624663 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/1997 | PA | UTD | UTD - UTD | C |  |  | No D |
| 285624663 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/1997 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 9/XX/1997 | PA | UTD | UTD - UTD | B |  |  | No D |
| 285624663 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 9/XX/1997 | PA | UTD | UTD - UTD | D |  |  | No D |
| 285624663 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/1997. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 9/XX/1997 | PA | UTD | UTD - UTD | B |  |  | No D |
| 285624663 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 9/XX/1997 | PA | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes D |
| 285624663 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 9/XX/1997 | PA | UTD | UTD - UTD | B |  |  | No D |
| 285624663 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 9/XX/1997 | PA | UTD | UTD - UTD | B |  |  | No D |
| 285624663 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/1997 | PA | UTD | UTD - UTD | B |  |  | No D |
| 285624663 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/1997 | PA | UTD | UTD - UTD | B |  |  | No D |
| 285624662 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/1999 | NJ | Primary | Purchase | C |  |  | No D |
| 285624662 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  | 1 | 8/XX/1999 | NJ | Primary | Purchase | B |  |  | No D |
| 285624662 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1999 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 8/XX/1999 | NJ | Primary | Purchase | B |  |  | No D |
| 285624662 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 8/XX/1999 | NJ | Primary | Purchase | D |  |  | No D |
| 285624662 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 8/XX/1999 | NJ | Primary | Purchase | B |  |  | No D |
| 285624662 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 8/XX/1999 | NJ | Primary | Purchase | B |  |  | No D |
| 285624662 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  | no appraisal documents in file |  |  |  |  |  |  | 2 | 8/XX/1999 | NJ | Primary | Purchase | B |  |  | No D |
| 285624662 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 8/XX/1999 | NJ | Primary | Purchase | B |  |  | No D |
| 285624659 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2001 | NC | Primary | Purchase | D |  |  | No B |
| 285624659 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2001 | NC | Primary | Purchase | C |  |  | No B |
| 285624659 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2001. |  |  |  |  |  |  |  | 1 | 9/XX/2001 | NC | Primary | Purchase | B |  |  | No B |
| 285624659 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 9/XX/2001 | NC | Primary | Purchase | B |  |  | No B |
| 285624659 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/2001 | NC | Primary | Purchase | B |  |  | No B |
| 285624659 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/2001 | NC | Primary | Purchase | B |  |  | No B |
| 285624658 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2007 | WA | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624658 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2007 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624658 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 1/XX/2007 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624658 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2007 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624658 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | 1/XX/2007 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624658 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 1/XX/2007 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624658 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 1/XX/2007 | WA | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624658 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 1/XX/2007 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624658 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  |  |  |  |  |  | 1 | 1/XX/2007 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624658 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624658 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624658 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624657 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 7/XX/2011 | MT | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624657 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  |  |  | 2 | 7/XX/2011 | MT | Primary | Refinance - Cash-out - Other | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B |  |  | Yes B |
| 285624657 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate | RESPA (2010): Interest Rate on Final HUD-1 does not match Note. |  |  |  |  |  |  |  | 2 | 7/XX/2011 | MT | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624657 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2011 | MT | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624657 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 7/XX/2011 | MT | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624857 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2000 | MI | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624857 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/2000 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624857 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/2000 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624857 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2000. |  |  |  |  |  |  |  | 1 | 9/XX/2000 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624857 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2000 | MI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624857 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2000 | MI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624857 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 9/XX/2000 | MI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624857 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 9/XX/2000 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624859 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2002 | AR | Primary | Purchase | C |  |  | No B |
| 285624859 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Real Estate Certification is not compliant. | Disclosure: FHA - Real Estate Certification (Government Documents) |  |  |  |  |  |  |  | 3 | 3/XX/2002 | AR | Primary | Purchase | C |  |  | No B |
| 285624859 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Amendatory Clause is not compliant. | Disclosure: FHA - Amendatory Clause (Government Documents) |  |  |  |  |  |  |  | 3 | 3/XX/2002 | AR | Primary | Purchase | C |  |  | No B |
| 285624859 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001. |  |  |  |  |  |  |  | 1 | 3/XX/2002 | AR | Primary | Purchase | B |  |  | No B |
| 285624859 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2002 | AR | Primary | Purchase | B |  |  | No B |
| 285624860 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 6/XX/2001 | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624863 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003. |  |  |  |  |  |  |  | 1 | 7/XX/2003 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624863 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2003, prior to three (3) business days from transaction date of 07/XX/2003. |  |  |  |  |  |  |  | 2 | 7/XX/2003 | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624865 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 4/XX/2003 | AL | Primary | Purchase | B |  |  | No B |
| 285624865 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2002. |  |  |  |  |  |  |  | 1 | 4/XX/2003 | AL | Primary | Purchase | B |  |  | No B |
| 285624865 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2003 | AL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624865 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2003 | AL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624866 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2003 | NC | Primary | Purchase | C |  |  | No B |
| 285624866 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003. |  |  |  |  |  |  |  | 1 | 7/XX/2003 | NC | Primary | Purchase | B |  |  | No B |
| 285624868 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. |  |  |  |  |  |  |  | 3 | 9/XX/2003 | NC | Primary | Refinance - Rate/Term | C |  |  | No C |
| 285624868 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | NC | Primary | Refinance - Rate/Term | B |  |  | No C |
| 285624868 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2003. |  |  |  |  |  |  |  | 1 | 9/XX/2003 | NC | Primary | Refinance - Rate/Term | B |  |  | No C |
| 285624868 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | NC | Primary | Refinance - Rate/Term | B |  |  | No C |
| 285624870 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004. |  |  |  |  |  |  |  | 1 | 10/XX/2004 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624870 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624870 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624870 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | IN | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624871 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2004 | FL | Primary | Purchase | C |  |  | No A |
| 285624876 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 2/XX/2005 | ID | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624876 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2005 | ID | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624876 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. |  |  |  |  |  |  |  | 1 | 2/XX/2005 | ID | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624876 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) | Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | ID | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624876 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | ID | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285624876 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | ID | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624876 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | ID | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624876 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | ID | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624879 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. |  |  |  |  |  |  |  | 1 | 6/XX/2005 | GA | Primary | Purchase | B |  |  | No B |
| 285624879 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | GA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624879 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | GA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624881 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624881 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2005 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624882 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 7/XX/2005 | PA | Primary | Purchase | B |  |  | No D |
| 285624882 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | PA | Primary | Purchase | B |  |  | No D |
| 285624882 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | PA | Primary | Purchase | No Defined Cure B |  |  | No D |
| 285624882 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. |  |  |  |  |  |  |  | 1 | 7/XX/2005 | PA | Primary | Purchase | B |  |  | No D |
| 285624882 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 7/XX/2005 | PA | Primary | Purchase | B |  |  | No D |
| 285624882 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | PA | Primary | Purchase | D |  |  | No D |
| 285624883 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No D |
| 285624883 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. |  |  |  |  |  |  |  | 1 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No D |
| 285624883 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No D |
| 285624883 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No D |
| 285624883 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No D |
| 285624883 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes D |
| 285624884 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2005 | IL | Primary | Purchase | C |  |  | No B |
| 285624884 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. |  |  |  |  |  |  |  | 1 | 8/XX/2005 | IL | Primary | Purchase | B |  |  | No B |
| 285624884 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | IL | Primary | Purchase | B |  |  | No B |
| 285624884 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | IL | Primary | Purchase | B |  |  | No B |
| 285624884 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | IL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624885 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. |  |  |  |  |  |  |  | 1 | 7/XX/2005 | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624885 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624885 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624890 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 11/XX/2005 | CA | Investment | Purchase | B |  |  | No D |
| 285624890 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Investment | Purchase | D |  |  | No D |
| 285624890 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 11/XX/2005 | CA | Investment | Purchase | B |  |  | No D |
| 285624891 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624891 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624891 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624891 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | MI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624891 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2005 | MI | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624891 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  |  |  | 1 | 11/XX/2005 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624891 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | MI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624891 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | MI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624892 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 9/XX/2005 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624892 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. |  |  |  |  |  |  |  | 1 | 9/XX/2005 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624893 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment) | Both initial and final loan application section VIII letter L shows "Yes" to intend to occupy the property as primary residence. Compliance testing completed using occupancy of Primary with no high cost impact. |  |  |  |  |  |  | 2 | 2/XX/2006 | VA | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| 285624894 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. |  |  |  |  |  |  |  | 1 | 4/XX/2006 | MD | Primary | Purchase | B |  |  | No B |
| 285624896 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  |  |  |  |  |  | 1 | 3/XX/2006 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624896 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624896 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | VA | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285624896 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624900 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  |  |  |  |  |  | 1 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624900 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624905 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624905 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624905 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624905 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624905 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624905 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624905 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624905 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624906 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No B |
| 285624906 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No B |
| 285624906 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No B |
| 285624906 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No B |
| 285624906 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B |  |  | No B |
| 285624906 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B |  |  | No B |
| 285624906 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624906 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No B |
| 285624907 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No B |
| 285624907 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No B |
| 285624907 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No B |
| 285624907 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B |  |  | No B |
| 285624907 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B |  |  | No B |
| 285624907 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624907 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No B |
| 285624908 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  |  |  |  |  |  | 1 | 9/XX/2006 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624908 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624908 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624909 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 11/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624909 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 11/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624909 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. |  |  |  |  |  |  |  | 1 | 11/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624911 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624911 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624912 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. |  |  |  |  |  |  |  | 1 | 1/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624912 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624913 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624914 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624914 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624914 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624914 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 2 | 5/XX/2007 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624915 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624915 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624915 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624915 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285624915 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | The itemization of amount financed did not include the email fee of $XXX as a prepaid finance charge. The prepaid interest on the HUD was $XXX, the itemization indicated $XXX. |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624916 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625628 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | NY | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625628 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | NY | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285624917 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | TX | Primary | Purchase | C |  |  | No A |
| 285624923 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 11/XX/2007 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624923 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624924 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624927 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624927 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624927 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624927 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624927 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | MI | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624928 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | PA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624928 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624929 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2007 | WA | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624929 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | WA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624929 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | WA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624929 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | WA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624929 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | WA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285624930 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624930 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624930 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624931 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624931 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624931 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624932 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624932 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s). |  |  |  |  |  |  |  | 2 | 8/XX/2007 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624932 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624932 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624934 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | TN | Primary | Purchase | B |  |  | No B |
| 285624934 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TN | Primary | Purchase | B |  |  | No B |
| 285624934 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TN | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624934 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TN | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624935 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | MD | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624936 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624936 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624938 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285624938 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285624938 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624938 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624941 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624941 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624941 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 2 | 10/XX/2007 | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624943 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 3/XX/2008 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624943 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  |  | 1 | 3/XX/2008 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624943 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624944 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008. |  |  |  |  |  |  |  | 1 | 4/XX/2008 | LA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624946 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2008. |  |  |  |  |  |  |  | 1 | 8/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624946 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624948 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 1 | 2/XX/2008 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624948 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624948 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable |  |  |  |  |  |  |  | 2 | 2/XX/2008 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624948 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624950 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624950 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624950 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624950 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not disclose an assignment recording fee of $XXX as a prepaid finance charge. |  |  |  |  |  |  | 2 | 1/XX/2008 | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624952 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 4/XX/2008 | NC | Second Home | Purchase | B |  |  | No B |
| 285624952 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  |  |  |  |  |  | 1 | 4/XX/2008 | NC | Second Home | Purchase | B |  |  | No B |
| 285624952 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | NC | Second Home | Purchase | B |  |  | No B |
| 285624953 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624954 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2008 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624954 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624955 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 9/XX/2008 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624956 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 6.95467% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2009). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2009) (an overage of $XXX or 1.95467%). |  |  |  |  |  |  |  | 2 | 7/XX/2009 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624956 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2009 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624956 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2009 | FL | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624957 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | NJ | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624957 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not disclose the prepaid interest of $XXX or the subordination recording fee of $XXX as prepaid finance charges. |  |  |  |  |  |  | 2 | 8/XX/2011 | NJ | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624960 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL signed by all required parties is blank |  | TIL appears to be final but not signed or initialed by borrower. |  |  |  |  |  |  | 2 | 7/XX/2008 | FL | Primary | Purchase | B |  |  | No B |
| 285624960 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | FL | Primary | Purchase | B |  |  | No B |
| 285624960 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. | No date or signature on ARM disclosure. |  |  |  |  |  |  | 2 | 7/XX/2008 | FL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624960 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing Itemization of Amount Financed |  |  |  |  |  |  | 2 | 7/XX/2008 | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624960 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | FL | Primary | Purchase | B |  |  | No B |
| 285624960 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. | ABA not signed by borrower. |  |  |  |  |  |  | 2 | 7/XX/2008 | FL | Primary | Purchase | B |  |  | No B |
| 285624960 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | FL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624960 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | FL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624961 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 5/XX/2008 | CA | Primary | Purchase | B |  |  | No B |
| 285624961 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 5/XX/2008 | CA | Primary | Purchase | B |  |  | No B |
| 285624962 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | MI | Primary | Purchase | B |  |  | No B |
| 285624964 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624965 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/2004 | CT | Primary | Purchase | B |  |  | No B |
| 285624965 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | CT | Primary | Purchase | B |  |  | No B |
| 285624965 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | CT | Primary | Purchase | B |  |  | No B |
| 285624966 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 6/XX/2007 | MO | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624966 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | MO | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624966 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | MO | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624966 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MO | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624966 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MO | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624966 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624966 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 6/XX/2007 | MO | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624968 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624968 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624968 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624968 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624969 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | MD | Investment | Refinance - Cash-out - Other | B |  |  | No D |
| 285624969 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | MD | Investment | Refinance - Cash-out - Other | B |  |  | No D |
| 285624969 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | HUD is marked Estimated. |  |  |  |  |  |  | 3 | 8/XX/2007 | MD | Investment | Refinance - Cash-out - Other | D |  |  | No D |
| 285624970 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2006 | MO | Primary | Purchase | C |  |  | No B |
| 285624970 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 9/XX/2006 | MO | Primary | Purchase | B |  |  | No B |
| 285624970 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  |  | 1 | 9/XX/2006 | MO | Primary | Purchase | B |  |  | No B |
| 285624970 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | MO | Primary | Purchase | B |  |  | No B |
| 285624970 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | MO | Primary | Purchase | B |  |  | No B |
| 285624970 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | MO | Primary | Purchase | B |  |  | No B |
| 285624971 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 12/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624971 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 12/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624971 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624971 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624971 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624971 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 2 | 12/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624971 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 12/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624972 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2008 | SC | Primary | Purchase | B |  |  | No B |
| 285624972 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | SC | Primary | Purchase | B |  |  | No B |
| 285624972 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 3/XX/2008 | SC | Primary | Purchase | B |  |  | No B |
| 285624972 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 3/XX/2008 | SC | Primary | Purchase | B |  |  | No B |
| 285624975 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 5/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624975 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624975 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285624975 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624976 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | 7/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285624976 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285624976 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285624976 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine reason for under-disclosure as no Itemization of Amount Financed provided. |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624976 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Purchase | C |  |  | No B |
| 285624976 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285624977 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2008 | MA | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| 285624978 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 10/XX/2006 | MD | Primary | Purchase | B |  |  | No B |
| 285624978 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | MD | Primary | Purchase | B |  |  | No B |
| 285624978 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | MD | Primary | Purchase | B |  |  | No B |
| 285624978 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 10/XX/2006 | MD | Primary | Purchase | B |  |  | No B |
| 285624980 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MO | Primary | Purchase | B |  |  | No B |
| 285624980 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | MO | Primary | Purchase | B |  |  | No B |
| 285624980 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | MO | Primary | Purchase | B |  |  | No B |
| 285624980 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MO | Primary | Purchase | B |  |  | No B |
| 285624980 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MO | Primary | Purchase | B |  |  | No B |
| 285624980 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 2/XX/2007 | MO | Primary | Purchase | B |  |  | No B |
| 285624981 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower |  |  |  |  |  |  | 2 | 6/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285624981 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 6/XX/2006 | TX | Primary | Purchase | C |  |  | No B |
| 285624981 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285624983 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  | 1 | 11/XX/2006 | IL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624983 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | IL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624983 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285624983 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285624984 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285624984 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285624986 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 12/XX/2004 | TX | Primary | Purchase | B |  |  | No B |
| 285624986 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 12/XX/2004 | TX | Primary | Purchase | B |  |  | No B |
| 285624986 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | TX | Primary | Purchase | B |  |  | No B |
| 285624986 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | TX | Primary | Purchase | B |  |  | No B |
| 285624987 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 2/XX/2007 | NC | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624987 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | NC | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624987 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | NC | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624987 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624987 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 2/XX/2007 | NC | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624988 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 10/XX/2006 | NY | Primary | Purchase | B |  |  | No D |
| 285624988 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 10/XX/2006 | NY | Primary | Purchase | B |  |  | No D |
| 285624988 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | NY | Primary | Purchase | B |  |  | No D |
| 285624988 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | NY | Primary | Purchase | B |  |  | No D |
| 285624988 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | NY | Primary | Purchase | D |  |  | No D |
| 285624989 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 1/XX/2007 | AZ | Primary | Purchase | B |  |  | No B |
| 285624989 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 1/XX/2007 | AZ | Primary | Purchase | B |  |  | No B |
| 285624990 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 6/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285624990 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 6/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285624990 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 6/XX/2006 | SC | Primary | Purchase | C |  |  | No B |
| 285624990 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285624990 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285624990 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 6/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285624991 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 7/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624991 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. |  |  |  |  |  |  |  | 1 | 7/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624991 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624992 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 4/XX/2004 | TX | Primary | Purchase | B |  |  | No B |
| 285624992 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | TX | Primary | Purchase | B |  |  | No B |
| 285624993 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 1/XX/2004 | NM | Primary | Purchase | B |  |  | No B |
| 285624993 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003. |  |  |  |  |  |  |  | 1 | 1/XX/2004 | NM | Primary | Purchase | B |  |  | No B |
| 285624993 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 1/XX/2004 | NM | Primary | Purchase | B |  |  | No B |
| 285624993 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 1/XX/2004 | NM | Primary | Purchase | B |  |  | No B |
| 285624997 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | NC | Primary | Purchase | C |  |  | No B |
| 285624997 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NC | Primary | Purchase | B |  |  | No B |
| 285624997 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NC | Primary | Purchase | B |  |  | No B |
| 285624997 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 11/XX/2006 | NC | Primary | Purchase | B |  |  | No B |
| 285624998 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 4/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624998 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624998 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624998 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625000 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | TN | Primary | Purchase | B |  |  | No B |
| 285625000 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 9/XX/2007 | TN | Primary | Purchase | B |  |  | No B |
| 285625001 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | MD | Primary | Purchase | B |  |  | No B |
| 285625001 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | MD | Primary | Purchase | B |  |  | No B |
| 285625001 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 12/XX/2006 | MD | Primary | Purchase | B |  |  | No B |
| 285625002 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285625002 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285625002 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285625002 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625002 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed or initial by borrower |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Purchase | B |  |  | No B |
| 285625003 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625003 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625003 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625003 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625003 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625004 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2008 | NJ | Primary | Purchase | C |  |  | No B |
| 285625004 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 3/XX/2008 | NJ | Primary | Purchase | B |  |  | No B |
| 285625004 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 3/XX/2008 | NJ | Primary | Purchase | B |  |  | No B |
| 285625004 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2008 | NJ | Primary | Purchase | B |  |  | No B |
| 285625004 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  |  | 1 | 3/XX/2008 | NJ | Primary | Purchase | B |  |  | No B |
| 285625004 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NJ | Primary | Purchase | B |  |  | No B |
| 285625004 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 3/XX/2008 | NJ | Primary | Purchase | B |  |  | No B |
| 285625006 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285625006 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285625006 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 7/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285625006 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 7/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285625008 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2005 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625008 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 8/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625008 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. |  |  |  |  |  |  |  | 1 | 8/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625008 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285625008 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625008 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 8/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625009 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. |  |  |  |  |  |  |  | 1 | 1/XX/2005 | NC | Primary | Refinance - Rate/Term | B |  |  | No C |
| 285625009 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes C |
| 285625009 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | NC | Primary | Refinance - Rate/Term | B |  |  | No C |
| 285625009 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 1/XX/2005 | NC | Primary | Refinance - Rate/Term | B |  |  | No C |
| 285625009 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 1/XX/2005 | NC | Primary | Refinance - Rate/Term | B |  |  | No C |
| 285625009 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. |  |  |  |  |  |  |  | 3 | 1/XX/2005 | NC | Primary | Refinance - Rate/Term | C |  |  | No C |
| 285625009 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  | 1 | 1/XX/2005 | NC | Primary | Refinance - Rate/Term | B |  |  | No C |
| 285625010 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2006 | TX | Primary | Purchase | C |  |  | No B |
| 285625010 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 7/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285625010 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285625010 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 7/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285625012 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 7/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285625012 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 7/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285625012 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 7/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285625012 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285625012 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285625012 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 7/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285625013 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2005 | CT | Primary | Purchase | C |  |  | No B |
| 285625013 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 8/XX/2005 | CT | Primary | Purchase | B |  |  | No B |
| 285625013 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | CT | Primary | Purchase | B |  |  | No B |
| 285625013 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. |  |  |  |  |  |  |  | 1 | 8/XX/2005 | CT | Primary | Purchase | B |  |  | No B |
| 285625013 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | CT | Primary | Purchase | B |  |  | No B |
| 285625013 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 8/XX/2005 | CT | Primary | Purchase | B |  |  | No B |
| 285625015 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  | No valuation in the loan file. |  |  |  |  |  |  | 2 | 3/XX/2005 | TX | Primary | Purchase | B |  |  | No B |
| 285625015 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  | All GFEs missing from the loan file. |  |  |  |  |  |  | 1 | 3/XX/2005 | TX | Primary | Purchase | B |  |  | No B |
| 285625015 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | TX | Primary | Purchase | B |  |  | No B |
| 285625016 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 4/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285625016 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 4/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285625016 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285625017 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 2/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285625017 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 2/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285625018 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No D |
| 285625018 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No D |
| 285625018 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No D |
| 285625018 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | TX | Primary | Purchase | D |  |  | No D |
| 285625018 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No D |
| 285625018 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No D |
| 285625019 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | VA | Primary | Purchase | C |  |  | No B |
| 285625019 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 10/XX/2006 | VA | Primary | Purchase | B |  |  | No B |
| 285625019 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | VA | Primary | Purchase | B |  |  | No B |
| 285625019 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | VA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625019 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | VA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625019 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 10/XX/2006 | VA | Primary | Purchase | B |  |  | No B |
| 285625021 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | CT | Primary | Purchase | B |  |  | No B |
| 285625021 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CT | Primary | Purchase | B |  |  | No B |
| 285625022 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 8/XX/2006 | DC | Primary | Purchase | B |  |  | No B |
| 285625022 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | DC | Primary | Purchase | B |  |  | No B |
| 285625022 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | DC | Primary | Purchase | B |  |  | No B |
| 285625023 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625025 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 11/XX/2004 | AZ | Primary | Purchase | B |  |  | No D |
| 285625025 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 11/XX/2004 | AZ | Primary | Purchase | B |  |  | No D |
| 285625025 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 11/XX/2004 | AZ | Primary | Purchase | D |  |  | No D |
| 285625025 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2004 | AZ | Primary | Purchase | B |  |  | No D |
| 285625026 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285625026 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285625027 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CT | Primary | Purchase | B |  |  | No D |
| 285625027 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/2007 | CT | Primary | Purchase | B |  |  | No D |
| 285625027 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 9/XX/2007 | CT | Primary | Purchase | D |  |  | No D |
| 285625027 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | CT | Primary | Purchase | B |  |  | No D |
| 285625027 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CT | Primary | Purchase | B |  |  | No D |
| 285625027 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CT | Primary | Purchase | B |  |  | No D |
| 285625027 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | CT | Primary | Purchase | B |  |  | No D |
| 285625028 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2001 | MI | Primary | Refinance - UTD | C |  |  | No D |
| 285625028 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 8/XX/2001 | MI | Primary | Refinance - UTD | B |  |  | No D |
| 285625028 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 8/XX/2001 | MI | Primary | Refinance - UTD | D |  |  | No D |
| 285625028 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 8/XX/2001 | MI | Primary | Refinance - UTD | B |  |  | No D |
| 285625028 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2001 | MI | Primary | Refinance - UTD | B |  |  | No D |
| 285625028 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2001 | MI | Primary | Refinance - UTD | No Defined Cure B |  |  | No D |
| 285625028 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2001 | MI | Primary | Refinance - UTD | No Defined Cure B |  |  | No D |
| 285625028 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 8/XX/2001 | MI | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes D |
| 285625028 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 8/XX/2001 | MI | Primary | Refinance - UTD | B |  |  | No D |
| 285625029 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2006 | IL | Primary | Purchase | C |  |  | No B |
| 285625029 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | IL | Primary | Purchase | B |  |  | No B |
| 285625031 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2001 | SC | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625031 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 5/XX/2001 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625031 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | (Doc Error) RTC Error: Right to Cancel expiration date is blank. |  |  |  |  |  |  |  |  | 2 | 5/XX/2001 | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285625031 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2000. |  |  |  |  |  |  |  | 1 | 5/XX/2001 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625031 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 5/XX/2001 | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285625031 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not disclose an attorney fee of $XXX a purpose not disclosed fee of $XXX, a courier fee of $XXX and a wire fee of $XXX as prepaid finance charges |  |  |  |  |  |  | 2 | 5/XX/2001 | SC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285625031 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2001, prior to three (3) business days from transaction date of 05/XX/2001. |  |  |  |  |  |  |  | 2 | 5/XX/2001 | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285625031 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Unable to test RTC expiration date due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2001 | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285625032 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2001. |  |  |  |  |  |  |  | 1 | 7/XX/2001 | SC | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625032 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 7/XX/2001 | SC | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625034 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. |  |  |  |  |  |  |  | 1 | 5/XX/2005 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625034 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625034 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625034 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625037 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2000 | MA | UTD | UTD - UTD | C |  |  | No D |
| 285625037 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 5/XX/2000 | MA | UTD | UTD - UTD | B |  |  | No D |
| 285625037 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 5/XX/2000 | MA | UTD | UTD - UTD | B |  |  | No D |
| 285625037 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 5/XX/2000 | MA | UTD | UTD - UTD | B |  |  | No D |
| 285625037 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2000 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 5/XX/2000 | MA | UTD | UTD - UTD | B |  |  | No D |
| 285625037 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 5/XX/2000 | MA | UTD | UTD - UTD | D |  |  | No D |
| 285625037 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 5/XX/2000 | MA | UTD | UTD - UTD | B |  |  | No D |
| 285625037 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 5/XX/2000 | MA | UTD | UTD - UTD | B |  |  | No D |
| 285625037 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 5/XX/2000 | MA | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes D |
| 285625037 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 5/XX/2000 | MA | UTD | UTD - UTD | B |  |  | No D |
| 285625038 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2004 | PA | UTD | UTD - UTD | C |  |  | No D |
| 285625038 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 3/XX/2004 | PA | UTD | UTD - UTD | B |  |  | No D |
| 285625038 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 3/XX/2004 | PA | UTD | UTD - UTD | B |  |  | No D |
| 285625038 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 3/XX/2004 | PA | UTD | UTD - UTD | B |  |  | No D |
| 285625038 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 3/XX/2004 | PA | UTD | UTD - UTD | D |  |  | No D |
| 285625038 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 3/XX/2004 | PA | UTD | UTD - UTD | B |  |  | No D |
| 285625038 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | PA | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes D |
| 285625038 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | PA | UTD | UTD - UTD | B |  |  | No D |
| 285625038 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2004 | PA | UTD | UTD - UTD | B |  |  | No D |
| 285625039 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 8/XX/2001 | NM | Primary | Purchase | B |  |  | No B |
| 285625039 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 8/XX/2001 | NM | Primary | Purchase | B |  |  | No B |
| 285625039 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2001 | NM | Primary | Purchase | C |  |  | No B |
| 285625039 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2001. |  |  |  |  |  |  |  | 1 | 8/XX/2001 | NM | Primary | Purchase | B |  |  | No B |
| 285625039 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 8/XX/2001 | NM | Primary | Purchase | B |  |  | No B |
| 285625039 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 8/XX/2001 | NM | Primary | Purchase | B |  |  | No B |
| 285625040 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2001 | SC | Primary | Purchase | C |  |  | No B |
| 285625040 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  | 1 | 4/XX/2001 | SC | Primary | Purchase | B |  |  | No B |
| 285625040 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 4/XX/2001 | SC | Primary | Purchase | B |  |  | No B |
| 285625040 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2000. |  |  |  |  |  |  |  | 1 | 4/XX/2001 | SC | Primary | Purchase | B |  |  | No B |
| 285625040 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 4/XX/2001 | SC | Primary | Purchase | B |  |  | No B |
| 285625040 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2001 | SC | Primary | Purchase | B |  |  | No B |
| 285625042 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2001 | NC | Primary | Purchase | C |  |  | No D |
| 285625042 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 12/XX/2001 | NC | Primary | Purchase | B |  |  | No D |
| 285625042 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 12/XX/2001 | NC | Primary | Purchase | B |  |  | No D |
| 285625042 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 12/XX/2001 | NC | Primary | Purchase | C |  |  | No D |
| 285625042 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 12/XX/2001 | NC | Primary | Purchase | B |  |  | No D |
| 285625042 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 12/XX/2001 | NC | Primary | Purchase | D |  |  | No D |
| 285625042 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 12/XX/2001 | NC | Primary | Purchase | B |  |  | No D |
| 285625042 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 12/XX/2001 | NC | Primary | Purchase | B |  |  | No D |
| 285625043 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2002 | NC | UTD | Refinance - UTD | C |  |  | No D |
| 285625043 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 1/XX/2002 | NC | UTD | Refinance - UTD | D |  |  | No D |
| 285625043 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 1/XX/2002 | NC | UTD | Refinance - UTD | B |  |  | No D |
| 285625043 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2002 | NC | UTD | Refinance - UTD | B |  |  | No D |
| 285625043 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 1/XX/2002 | NC | UTD | Refinance - UTD | B |  |  | No D |
| 285625043 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 1/XX/2002 | NC | UTD | Refinance - UTD | C |  |  | No D |
| 285625043 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | The Note provided odes not include ARM elements for review including but not limited to Index, Margin, Initial, Life Maximum and Periodic Caps.<br> Compliance testing not completed. |  |  |  |  |  |  | 3 | 1/XX/2002 | NC | UTD | Refinance - UTD | D |  |  | No D |
| 285625044 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2002 | KS | Primary | Refinance - UTD | C |  |  | No D |
| 285625044 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 2/XX/2002 | KS | Primary | Refinance - UTD | B |  |  | No D |
| 285625044 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 2/XX/2002 | KS | Primary | Refinance - UTD | B |  |  | No D |
| 285625044 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 2/XX/2002 | KS | Primary | Refinance - UTD | D |  |  | No D |
| 285625044 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 2/XX/2002 | KS | Primary | Refinance - UTD | B |  |  | No D |
| 285625044 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Missing Information to Determine LTV | Unable to determine LTV or CLTV due to missing information. State compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 2/XX/2002 | KS | Primary | Refinance - UTD | C |  |  | No D |
| 285625044 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 2/XX/2002 | KS | Primary | Refinance - UTD | B |  |  | No D |
| 285625045 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/1998 | FL | Primary | Purchase | C |  |  | No D |
| 285625045 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/1998 | FL | Primary | Purchase | B |  |  | No D |
| 285625045 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 6/XX/1998 | FL | Primary | Purchase | C |  |  | No D |
| 285625045 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/1998 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 6/XX/1998 | FL | Primary | Purchase | B |  |  | No D |
| 285625045 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 6/XX/1998 | FL | Primary | Purchase | D |  |  | No D |
| 285625045 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/1997. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 6/XX/1998 | FL | Primary | Purchase | B |  |  | No D |
| 285625045 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form 2055 (Exterior Only) used for incorrect Subject property type. | Valuation Type: Drive By / Valuation Report Date: 06/XX/1998 Mobile Home (Single-Wide) |  |  |  |  |  |  |  | 1 | 6/XX/1998 | FL | Primary | Purchase | B |  |  | No D |
| 285625048 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2009 | MA | Primary | Purchase | C |  |  | No B |
| 285625048 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2008. |  |  |  |  |  |  |  | 1 | 6/XX/2009 | MA | Primary | Purchase | B |  |  | No B |
| 285624853 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2001 | NC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624853 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2000. |  |  |  |  |  |  |  | 1 | 4/XX/2001 | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624853 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 4/XX/2001 | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624834 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No B |
| 285624834 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No B |
| 285624834 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No B |
| 285624834 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B |  |  | No B |
| 285624834 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B |  |  | No B |
| 285624833 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | KY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624833 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | KY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624816 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form 1073/465 used for incorrect Subject property type. | Valuation Type: Appraisal / Valuation Report Date: 11/XX/2005 Single Family Detached |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624816 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285624773 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  |  | 1 | 10/XX/2007 | GA | Primary | Purchase | B |  |  | No B |
| 285624766 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624766 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624766 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624766 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624720 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624720 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624720 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.31840% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (2007). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2007) (an overage of $XXX or .31840%). |  |  |  |  |  |  |  | 2 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624720 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624720 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 5/XX/2007 | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285624720 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285624669 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2002 | LA | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624669 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001. |  |  |  |  |  |  |  | 1 | 3/XX/2002 | LA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624669 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 3/XX/2002 | LA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285624669 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 3/XX/2002 | LA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624654 | XXX | XXX | XXX | XXX | 12/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2006 | FL | Investment | Purchase | C |  |  | No B |
| 285624654 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/2006 | FL | Investment | Purchase | B |  |  | No B |
| 285624654 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2006 | FL | Investment | Purchase | B |  |  | No B |
| 285624654 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  |  |  |  |  |  | 1 | 6/XX/2006 | FL | Investment | Purchase | B |  |  | No B |
| 285624655 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | FL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624655 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | FL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285624656 | XXX | XXX | XXX | XXX | 12/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  |  | 1 | 9/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285625623 | XXX | XXX | XXX | XXX | 1/XX/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/12/XX/2018) | Final CD dated 12/XX/2018, closing date 12/XX/2018. Acceptable. |  | Buyer Comment (2019/XX/14): Close date ois 12.XX.2018 - PCCD issued 12.XX.2018 to verify correct close date |  |  |  | 12/XX/2018 1:04:49 PM | 1 | 12/XX/2018 | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes B |
| 285625623 | XXX | XXX | XXX | XXX | 1/XX/2019 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/12/XX/2018) |  |  | Buyer Comment (2019/XX/14): Original appraisal completed 11.19.2018 - Borrower acknowledgement based on that date - Appraisal revision required to show seller credt completed on 12.XX.2018 |  |  |  | 12/XX/2018 1:08:19 PM | 2 | 12/XX/2018 | CA | Primary | Purchase | B | Non QM | Non QM | No B |
| 285625067 | XXX | XXX | XXX | XXX | 3/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2004 | IL | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625067 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 8/XX/2004 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625067 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004. |  |  |  |  |  |  |  | 1 | 8/XX/2004 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625067 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 8/XX/2004 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625064 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  | 2 | 11/XX/2006 | MO | Primary | Purchase | B |  |  | No B |
| 285625064 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 11/XX/2006 | MO | Primary | Purchase | B |  |  | No B |
| 285625064 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | MO | Primary | Purchase | B |  |  | No B |
| 285625064 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | MO | Primary | Purchase | B |  |  | No B |
| 285625064 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 11/XX/2006 | MO | Primary | Purchase | B |  |  | No B |
| 285625050 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 6/XX/2004 | NY | Primary | Refinance - Cash-out - Other | D |  |  | No D |
| 285625050 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003. |  |  |  |  |  |  |  | 1 | 6/XX/2004 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| 285625050 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | 6/XX/2004 | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No D |
| 285625050 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/2004 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| 285625070 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285625060 | XXX | XXX | XXX | XXX | 3/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | OH | Primary | UTD - UTD | C |  |  | No B |
| 285625060 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2007 | OH | Primary | UTD - UTD | B |  |  | No B |
| 285625060 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/2007 | OH | Primary | UTD - UTD | B |  |  | No B |
| 285625060 | XXX | XXX | XXX | XXX | 3/XX/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | OH | Primary | UTD - UTD | C |  |  | No B |
| 285625060 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/21): Received copy of final HUD clearing issue<br>Reviewer Comment (2019/XX/21): Trailing docs received - no HUD provided - issue remains | 12/XX/2018 9:07:17 PM |  |  |  | 1 | 6/XX/2007 | OH | Primary | UTD - UTD | A |  |  | No B |
| 285625060 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/21): Received copy of final HUD clearing issue | 12/XX/2018 9:07:17 PM |  |  |  | 1 | 6/XX/2007 | OH | Primary | UTD - UTD | A |  |  | No B |
| 285625060 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | OH | Primary | UTD - UTD | B |  |  | No B |
| 285625060 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | OH | Primary | UTD - UTD | B |  |  | No B |
| 285625060 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | OH | Primary | UTD - UTD | B |  |  | No B |
| 285625060 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio CSPA Tangible Net Benefit Test | Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | OH | Primary | UTD - UTD | B |  |  | No B |
| 285625060 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Reviewer Comment (2019/XX/21): Received copy of RTC clearing issue | 12/XX/2018 9:07:17 PM |  |  |  | 1 | 6/XX/2007 | OH | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No B |
| 285625060 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Reviewer Comment (2019/XX/21): Received copy of final TIL <br> clearing issue | 12/XX/2018 9:07:17 PM |  |  |  | 1 | 6/XX/2007 | OH | Primary | UTD - UTD | A |  |  | No B |
| 285625060 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | OH | Primary | UTD - UTD | B |  |  | No B |
| 285625061 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625061 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625059 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MD | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625062 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/1999. |  |  |  |  |  |  |  | 1 | 9/XX/1999 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625062 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 9/XX/1999 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625062 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 9/XX/1999 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625062 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 9/XX/1999 | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625058 | XXX | XXX | XXX | XXX | 3/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2004 | RI | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625058 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/2004 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625058 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 11/XX/2004 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625058 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004. |  |  |  |  |  |  |  | 1 | 11/XX/2004 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625058 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 11/XX/2004 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625049 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625049 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625049 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625068 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  |  |  | 1 | 2/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625068 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625068 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625065 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2009. |  |  |  |  |  |  |  | 1 | 7/XX/2009 | MO | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625065 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2009 | MO | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625063 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 1 | 10/XX/2007 | NY | Primary | Purchase | B |  |  | No B |
| 285625063 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  |  | 1 | 10/XX/2007 | NY | Primary | Purchase | B |  |  | No B |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2019/XX/25): Flood cert Was provided.<br>Seller Comment (2019/XX/23): Flood Certfiicate | 4/XX/2019 12:37:04 PM |  |  |  | 1 | 11/XX/2017 | TN | Primary | Purchase | A | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX |  |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:36:36 AM | 3 | 11/XX/2017 | TN | Primary | Purchase | C | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  | Reviewer Comment (2019/XX/25): Purchase contract was provided.<br>Seller Comment (2019/XX/23): Purchase Agreement | 4/XX/2019 12:37:35 PM |  |  |  | 1 | 11/XX/2017 | TN | Primary | Purchase | A | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File is missing Title Policy and origination date is >12 Months. |  | Reviewer Comment (2019/XX/25): Final Title was provided as required.<br>Seller Comment (2019/XX/23): Title Policy | 4/XX/2019 12:36:38 PM |  |  |  | 1 | 11/XX/2017 | TN | Primary | Purchase | A | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  |  |  |  | 1 | 11/XX/2017 | TN | Primary | Purchase | C | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  | Reviewer Comment (2019/XX/25): AVM was provided.<br>Seller Comment (2019/XX/23): AVM | 4/XX/2019 12:51:13 PM |  |  |  | 1 | 11/XX/2017 | TN | Primary | Purchase | A | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.19670% or Final Disclosure APR of 10.23100% is in excess of allowable threshold of APOR 3.92% + 1.5%, or 5.42000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:36:51 AM | 2 | 11/XX/2017 | TN | Primary | Purchase | B | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:37:12 AM | 2 | 11/XX/2017 | TN | Primary | Purchase | B | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. |  |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:37:21 AM | 2 | 11/XX/2017 | TN | Primary | Purchase | B | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. | A appraisal was not provided. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:37:31 AM | 2 | 11/XX/2017 | TN | Primary | Purchase | B | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:37:41 AM | 1 | 11/XX/2017 | TN | Primary | Purchase | B | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Appraisal Flipped Property Missing Information | Last Sales Price or Last Sales Date from the Primary Valuation or Contract Sales Price or Contract Sales Date are missing. Unable to determine compliance with TIL HPML Flipped Property Requirements. | Last sale date of the subject could not be verified due to missing the appraisal. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:37:52 AM | 2 | 11/XX/2017 | TN | Primary | Purchase | B | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2019/XX/17): Creditor did not provide List of Homeownership Counseling Organizations to borrower. This is not cleared.<br>Buyer Comment (2019/XX/17): Cleared |  |  |  |  | 1 | 11/XX/2017 | TN | Primary | Purchase | B | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Evidence of borrower receipt was not found in the loan file. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:38:08 AM | 1 | 11/XX/2017 | TN | Primary | Purchase | Good faith redisclosure B | Non QM | Non QM | Yes C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Evidence of borrower receipt was not found in the loan file. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:38:14 AM | 2 | 11/XX/2017 | TN | Primary | Purchase | Good faith redisclosure B | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Servicing Disclosure Status | File does not evidence the consumer was provided with the Servicing Disclosure. | Evidence of borrower receipt was not found in the loan file. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:38:19 AM | 1 | 11/XX/2017 | TN | Primary | Purchase | Good faith redisclosure B | Non QM | Non QM | Yes C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 11/XX/2017 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/11/XX/2017) | The Lender Contact was not provided on the final CD. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:38:25 AM | 2 | 11/XX/2017 | TN | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/XX/2017) | Loan Estimate was not evidenced in the loan file. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:38:31 AM | 1 | 11/XX/2017 | TN | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Home Loan Toolkit Provided | Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. | Evidence of borrower receipt was not found in the loan file. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:38:37 AM | 1 | 11/XX/2017 | TN | Primary | Purchase | No Defined Cure B | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. | Loan Estimate was not evidenced in the loan file. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:38:59 AM | 2 | 11/XX/2017 | TN | Primary | Purchase | No Defined Cure B | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77173) | Loan Estimate was not evidenced in the loan file. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:39:07 AM | 2 | 11/XX/2017 | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77181) | Loan Estimate was not evidenced in the loan file. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:39:14 AM | 2 | 11/XX/2017 | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77190) | Loan Estimate was not evidenced in the loan file. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:39:19 AM | 2 | 11/XX/2017 | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7724) | Loan Estimate was not evidenced in the loan file. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:39:25 AM | 2 | 11/XX/2017 | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7725) | Loan Estimate was not evidenced in the loan file. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:39:30 AM | 2 | 11/XX/2017 | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) | Loan Estimate was not evidenced in the loan file. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:40:02 AM | 2 | 11/XX/2017 | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Unknown Loan Designation | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. |  |  | Reviewer Comment (2019/XX/29): Client provided ATR testing doc reflecting Non-QM.<br>Seller Comment (2019/XX/26): ATR Form | 4/XX/2019 8:18:12 PM |  |  |  | 1 | 11/XX/2017 | TN | Primary | Purchase | A | Non QM | Non QM | Yes C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/2600331) | File is missing information verifying 2 years of employment as required per appendix Q. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:40:09 AM | 1 | 11/XX/2017 | TN | Primary | Purchase | B | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan designation was not provided. Loan DTI exceeds 43% as required per appendix Q. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:40:14 AM | 3 | 11/XX/2017 | TN | Primary | Purchase | C | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. | The loan file did not contain any asset documentation. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:40:23 AM | 3 | 11/XX/2017 | TN | Primary | Purchase | C | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence home buyer education requirements have been met for this purchase transaction. |  | Reviewer Comment (2019/XX/18): Client elects to waive.<br>Buyer Comment (2019/XX/17): Waived |  |  |  | 4/XX/2019 9:40:30 AM | 3 | 11/XX/2017 | TN | Primary | Purchase | C | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide Ability to Repay form signed by underwriter. |  | Reviewer Comment (2019/XX/29): Condition cleared, document received.<br>Seller Comment (2019/XX/26): ATR Form | 4/XX/2019 11:38:32 AM |  |  |  | 1 | 11/XX/2017 | TN | Primary | Purchase | A | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | 12 Months of housing history is not in file as required. |  | Reviewer Comment (2019/XX/02): Evidence of 12 month housing history was provided.<br>Seller Comment (2019/XX/01): Lease Payment History<br>Reviewer Comment (2019/XX/29): Seller provided the Lease to purchase agreement however this does not provide 12 months of housing history as required per the guidelines. "Must have 12 months housing history".<br>Seller Comment (2019/XX/26): Lease Agreement | 5/XX/2019 7:09:13 PM |  |  |  | 1 | 11/XX/2017 | TN | Primary | Purchase | A | Non QM | Non QM | No C |
| 285625625 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/11/XX/2017) | No evidence that the AVM was provided to the borrower as required. |  | Reviewer Comment (2019/XX/07): Client elects to waive requirements.<br>Buyer Comment (2019/XX/07): Waived<br>Reviewer Comment (2019/XX/29): Seller comment states that Email correspondence was provided however it was not provided. Exception remains pending proof of delivery.<br>Buyer Comment (2019/XX/26): Email Communication |  |  |  | 5/XX/2019 5:12:27 PM | 2 | 11/XX/2017 | TN | Primary | Purchase | B | Non QM | Non QM | No C |
| 285625118 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 9/XX/1997 | FL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625118 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 9/XX/1997 | FL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625118 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 9/XX/1997 | FL | Primary | Purchase | B |  |  | No B |
| 285625118 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/1997 | FL | Primary | Purchase | B |  |  | No B |
| 285625118 | XXX | XXX | XXX | XXX | 8/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 9/XX/1997 | FL | Primary | Purchase | C |  |  | No B |
| 285625118 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 9/XX/1997 | FL | Primary | Purchase | B |  |  | No B |
| 285625119 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 2/XX/2009 | FL | Primary | Purchase | B |  |  | No B |
| 285625119 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2009 | FL | Primary | Purchase | B |  |  | No B |
| 285625119 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 2/XX/2009 | FL | Primary | Purchase | B |  |  | No B |
| 285625618 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/2008 | FL | Primary | Purchase | B |  |  | No B |
| 285625618 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 9/XX/2008 | FL | Primary | Purchase | B |  |  | No B |
| 285625120 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 11/XX/2009 | FL | Primary | Purchase | B |  |  | No B |
| 285625120 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 11/XX/2009 | FL | Primary | Purchase | B |  |  | No B |
| 285625120 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 1 | 11/XX/2009 | FL | Primary | Purchase | B |  |  | No B |
| 285625120 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 11/XX/2009 | FL | Primary | Purchase | B |  |  | No B |
| 285625120 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2009 | FL | Primary | Purchase | B |  |  | No B |
| 285625120 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 11/XX/2009 | FL | Primary | Purchase | B |  |  | No B |
| 285625121 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 3/XX/2008 | FL | Primary | Purchase | B |  |  | No B |
| 285625121 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | FL | Primary | Purchase | B |  |  | No B |
| 285625121 | XXX | XXX | XXX | XXX | 8/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 3/XX/2008 | FL | Primary | Purchase | C |  |  | No B |
| 285625123 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 12/XX/2009 | FL | Primary | Purchase | B |  |  | No B |
| 285625123 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 1 | 12/XX/2009 | FL | Primary | Purchase | B |  |  | No B |
| 285625123 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2009 | FL | Primary | Purchase | B |  |  | No B |
| 285625123 | XXX | XXX | XXX | XXX | 8/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 12/XX/2009 | FL | Primary | Purchase | B |  |  | No B |
| 285625091 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | NY | Primary | Purchase | B |  |  | No B |
| 285625091 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Purchase | B |  |  | No B |
| 285625091 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Purchase | B |  |  | No B |
| 285625115 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 6/XX/2005 | FL | Primary | Purchase | B |  |  | No D |
| 285625115 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | FL | Primary | Purchase | D |  |  | No D |
| 285625115 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 6/XX/2005 | FL | Primary | Purchase | B |  |  | No D |
| 285625115 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | FL | Primary | Purchase | No Defined Cure B |  |  | No D |
| 285625115 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | FL | Primary | Purchase | No Defined Cure B |  |  | No D |
| 285625115 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | FL | Primary | Purchase | B |  |  | No D |
| 285625115 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | FL | Primary | Purchase | C |  |  | No D |
| 285625115 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2005 | FL | Primary | Purchase | B |  |  | No D |
| 285625115 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/2005 | FL | Primary | Purchase | B |  |  | No D |
| 285625077 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2000 | GA | Primary | UTD - UTD | C |  |  | No D |
| 285625077 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2000 | GA | Primary | UTD - UTD | B |  |  | No D |
| 285625077 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 7/XX/2000 | GA | Primary | UTD - UTD | B |  |  | No D |
| 285625077 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 7/XX/2000 | GA | Primary | UTD - UTD | B |  |  | No D |
| 285625077 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2000 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 7/XX/2000 | GA | Primary | UTD - UTD | B |  |  | No D |
| 285625077 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 7/XX/2000 | GA | Primary | UTD - UTD | D |  |  | No D |
| 285625077 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2000. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 7/XX/2000 | GA | Primary | UTD - UTD | B |  |  | No D |
| 285625077 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 7/XX/2000 | GA | Primary | UTD - UTD | No Defined Cure B |  |  | No D |
| 285625077 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 7/XX/2000 | GA | Primary | UTD - UTD | No Defined Cure B |  |  | No D |
| 285625077 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 7/XX/2000 | GA | Primary | UTD - UTD | B |  |  | No D |
| 285625077 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 7/XX/2000 | GA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No D |
| 285625077 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 7/XX/2000 | GA | Primary | UTD - UTD | B |  |  | No D |
| 285625110 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285625110 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 2/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285625110 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 2/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285625073 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625073 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625073 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625073 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625073 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625073 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625073 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MI | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285625073 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MI | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285625111 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625111 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625111 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625111 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625079 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004. |  |  |  |  |  |  |  | 1 | 1/XX/2004 | MO | Primary | Purchase | B |  |  | No B |
| 285625079 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 1/XX/2004 | MO | Primary | Purchase | B |  |  | No B |
| 285625079 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 1/XX/2004 | MO | Primary | Purchase | B |  |  | No B |
| 285625079 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.56924% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .56924%). |  |  |  |  |  |  |  | 2 | 1/XX/2004 | MO | Primary | Purchase | B |  |  | No B |
| 285625093 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 11/XX/2006 | NM | Primary | Purchase | B |  |  | No B |
| 285625093 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  | Reviewer Comment (2019/XX/25): 1003 provided. | 1/XX/2019 6:59:51 AM |  |  |  | 1 | 11/XX/2006 | NM | Primary | Purchase | A |  |  | No B |
| 285625093 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  | Reviewer Comment (2019/XX/25): 1003 provided. | 1/XX/2019 6:59:51 AM |  |  |  | 1 | 11/XX/2006 | NM | Primary | Purchase | A |  |  | No B |
| 285625093 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NM | Primary | Purchase | B |  |  | No B |
| 285625093 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 11/XX/2006 | NM | Primary | Purchase | B |  |  | No B |
| 285625093 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  | Reviewer Comment (2019/XX/25): MI is not required per underwriting guidelines. | 1/XX/2019 7:05:54 AM |  |  |  | 1 | 11/XX/2006 | NM | Primary | Purchase | A |  |  | No B |
| 285625076 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not include $XXX Settlement fee and $XXX Courier fee in the prepaid finance charges. |  |  |  |  |  |  | 2 | 3/XX/1999 | DC | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625094 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 6/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285625094 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285625094 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 6/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285625114 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 11/XX/2004 | MA | Primary | Purchase | B |  |  | No B |
| 285625114 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. |  |  |  |  |  |  |  | 1 | 11/XX/2004 | MA | Primary | Purchase | B |  |  | No B |
| 285625114 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 11/XX/2004 | MA | Primary | Purchase | B |  |  | No B |
| 285625116 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2019/XX/25): Client provided copy of 1003 but it is same as the one in file, signed and dated 5/XX/2000 versus Note Date of 6/XX/2000 so appears to be initial 1003, not final. Exception remains. |  |  |  |  | 3 | 6/XX/2000 | OH | Primary | Purchase | C |  |  | No B |
| 285625116 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2000 | OH | Primary | Purchase | C |  |  | No B |
| 285625116 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2000. |  |  |  |  |  |  |  | 1 | 6/XX/2000 | OH | Primary | Purchase | B |  |  | No B |
| 285625116 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type. | Valuation Type: Appraisal / Valuation Report Date: 05/XX/2000 2 Family |  |  |  |  |  |  |  | 1 | 6/XX/2000 | OH | Primary | Purchase | B |  |  | No B |
| 285625112 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | TN | Primary | Purchase | B |  |  | No B |
| 285625112 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 6/XX/2007 | TN | Primary | Purchase | B |  |  | No B |
| 285625083 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625083 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL Itemization did not disclose the Other Escrows fee of $XXX as a prepaid finance charge. |  |  |  |  |  |  | 2 | 10/XX/2006 | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625099 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 1/XX/2006 | PA | Primary | Purchase | B |  |  | No B |
| 285625099 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 1/XX/2006 | PA | Primary | Purchase | B |  |  | No B |
| 285625088 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625104 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 7/XX/2007 | AR | Primary | Purchase | B |  |  | No B |
| 285625104 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2019/XX/25): Final HUD-1 provided with disbursement date. | 2/XX/2019 5:32:13 AM |  |  |  | 1 | 7/XX/2007 | AR | Primary | Purchase | A |  |  | No B |
| 285625104 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/25): Final HUD-1 provided. | 2/XX/2019 5:32:13 AM |  |  |  | 1 | 7/XX/2007 | AR | Primary | Purchase | A |  |  | No B |
| 285625104 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | AR | Primary | Purchase | B |  |  | No B |
| 285625104 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | AR | Primary | Purchase | B |  |  | No B |
| 285625104 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 7/XX/2007 | AR | Primary | Purchase | B |  |  | No B |
| 285625109 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 12/XX/2007 | AZ | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| 285625095 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  | Reviewer Comment (2019/XX/25): Recorded Security Instrument provided. | 1/XX/2019 7:37:39 AM |  |  |  | 1 | 3/XX/2007 | MA | Primary | Purchase | A |  |  | No B |
| 285625095 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 3/XX/2007 | MA | Primary | Purchase | B |  |  | No B |
| 285625095 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2007 | MA | Primary | Purchase | B |  |  | No B |
| 285625089 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2008 | TX | Primary | Purchase | C |  |  | No B |
| 285625089 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | TX | Primary | Purchase | B |  |  | No B |
| 285625078 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2001. |  |  |  |  |  |  |  | 1 | 10/XX/2001 | FL | Primary | Purchase | B |  |  | No B |
| 285625107 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | GA | Primary | Purchase | B |  |  | No B |
| 285625080 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 7/XX/2005 | HI | Primary | Purchase | B |  |  | No B |
| 285625080 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. |  |  |  |  |  |  |  | 1 | 7/XX/2005 | HI | Primary | Purchase | B |  |  | No B |
| 285625080 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | HI | Primary | Purchase | B |  |  | No B |
| 285625080 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | HI | Primary | Purchase | B |  |  | No B |
| 285625629 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  | Reviewer Comment (2019/XX/25): Co-op Loan Security instrument provided. | 1/XX/2019 10:18:35 AM |  |  |  | 1 | 3/XX/2008 | NY | Primary | Purchase | A |  |  | No B |
| 285625629 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NY | Primary | Purchase | B |  |  | No B |
| 285625629 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 3/XX/2008 | NY | Primary | Purchase | B |  |  | No B |
| 285625629 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2008 | NY | Primary | Purchase | B |  |  | No B |
| 285625629 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | County Name Missing | County from the Security Instrument was not provided. |  |  | Reviewer Comment (2019/XX/25): Co-op Loan Security instrument provided. | 1/XX/2019 10:19:34 AM |  |  |  | 1 | 3/XX/2008 | NY | Primary | Purchase | A |  |  | No B |
| 285625629 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NY | Primary | Purchase | B |  |  | No B |
| 285625097 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | MA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625097 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | MA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625097 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | MA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625097 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No B |
| 285625097 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine reason for under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 4/XX/2007 | MA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625097 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625097 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 4/XX/2007 | MA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625071 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003. |  |  |  |  |  |  |  | 1 | 12/XX/2003 | NJ | Primary | Purchase | B |  |  | No B |
| 285625071 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2003 | NJ | Primary | Purchase | B |  |  | No B |
| 285625071 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2003 | NJ | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625071 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2003 | NJ | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625117 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  |  |  |  |  |  | 1 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625117 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285625117 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285625106 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | GA | Primary | Purchase | B |  |  | No B |
| 285625106 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 6/XX/2007 | GA | Primary | Purchase | B |  |  | No B |
| 285625106 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 6/XX/2007 | GA | Primary | Purchase | B |  |  | No B |
| 285625090 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Purchase | B |  |  | No D |
| 285625090 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2008 | CA | Primary | Purchase | B |  |  | No D |
| 285625090 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 3/XX/2008 | CA | Primary | Purchase | B |  |  | No D |
| 285625090 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | CA | Primary | Purchase | D |  |  | No D |
| 285625090 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Purchase | B |  |  | No D |
| 285625090 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Purchase | B |  |  | No D |
| 285625105 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285625105 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285625105 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285625105 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 3/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285625394 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2012. |  |  |  |  |  |  |  | 1 | 1/XX/2013 | NY | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625394 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 1/XX/2013 | NY | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625394 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2013 | NY | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625394 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 1/XX/2013 | NY | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625394 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 1/XX/2013 | NY | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625394 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 1/XX/2013 | NY | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625399 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. |  |  |  |  |  |  |  | 1 | 11/XX/2013 | MI | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No B |
| 285625399 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2013 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625399 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Unable to test counseling agencies list due to missing information. |  |  |  |  |  |  |  | 2 | 11/XX/2013 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625399 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: 10/XX/2013 |  |  |  |  |  |  |  | 3 | 11/XX/2013 | MI | Primary | Refinance - Rate/Term | D |  |  | No B |
| 285625333 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No B |
| 285625334 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | KY | Primary | Purchase | B |  |  | No B |
| 285625182 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. |  |  |  |  |  |  |  | 1 | 11/XX/2004 | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625396 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 7/XX/2013 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625383 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007. |  |  |  |  |  |  |  | 1 | 5/XX/2008 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625143 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 1/XX/2003 | TX | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625143 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2002. |  |  |  |  |  |  |  | 1 | 1/XX/2003 | TX | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625143 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 1/XX/2003 | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625156 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. |  |  |  |  |  |  |  | 1 | 9/XX/2003 | MI | Primary | Purchase | B |  |  | No B |
| 285625320 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Finance charges under disclosed by $XXX which exceeds the $XXX for purchase. TIL Itemization disclosed the Attorney's Fee as $XXX and HUD reflects $XXX, and did not disclose the GA Residential Mortgage Fee of $XXX as prepaid finance charges. Also, the calculated payment stream reflects MI premium being collected for 17 years and Final TIL reflects 15 years of MI premiums at the base rate of 0.960%. |  |  |  |  |  |  | 2 | 5/XX/2007 | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625285 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  | 1 | 3/XX/2007 | ME | Primary | Purchase | B |  |  | No B |
| 285625285 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine the fee under disclosure due to missing the itemization of amount financed. |  |  |  |  |  |  | 2 | 3/XX/2007 | ME | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625270 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | MD | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625270 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625270 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  | 1 | 11/XX/2006 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625270 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625291 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625291 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625291 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625291 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625291 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625291 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625291 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2007 | MI | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625307 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | NM | Primary | Purchase | B |  |  | No B |
| 285625307 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | NM | Primary | Purchase | B |  |  | No B |
| 285625307 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing Itemization of Finance Charges. |  |  |  |  |  |  | 2 | 4/XX/2007 | NM | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625323 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Under disclosure due to final TIL reflects MI dropping off after 180 months and audit reflects MI dropping off after 210 months |  |  |  |  |  |  | 2 | 7/XX/2007 | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625323 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | FL | Primary | Purchase | C |  |  | No B |
| 285625323 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285625323 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285625323 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285625329 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | OR | Primary | Purchase | C |  |  | No B |
| 285625329 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | OR | Primary | Purchase | B |  |  | No B |
| 285625329 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | OR | Primary | Purchase | B |  |  | No B |
| 285625329 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | OR | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625329 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | OR | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625329 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | OR | Primary | Purchase | B |  |  | No B |
| 285625335 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | NM | Primary | Purchase | B |  |  | No B |
| 285625335 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | NM | Primary | Purchase | B |  |  | No B |
| 285625335 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | NM | Primary | Purchase | B |  |  | No B |
| 285625148 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2003 | MI | Primary | Refinance - UTD | C |  |  | No D |
| 285625148 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 5/XX/2003 | MI | Primary | Refinance - UTD | B |  |  | No D |
| 285625148 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  | 3 | 5/XX/2003 | MI | Primary | Refinance - UTD | D |  |  | No D |
| 285625148 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 5/XX/2003 | MI | Primary | Refinance - UTD | B |  |  | No D |
| 285625148 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 5/XX/2003 | MI | Primary | Refinance - UTD | B |  |  | No D |
| 285625148 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 5/XX/2003 | MI | Primary | Refinance - UTD | D |  |  | No D |
| 285625148 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 5/XX/2003 | MI | Primary | Refinance - UTD | B |  |  | No D |
| 285625148 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | MI | Primary | Refinance - UTD | B |  |  | No D |
| 285625148 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | MI | Primary | Refinance - UTD | B |  |  | No D |
| 285625148 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | MI | Primary | Refinance - UTD | B |  |  | No D |
| 285625148 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | MI | Primary | Refinance - UTD | B |  |  | No D |
| 285625148 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | MI | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No D |
| 285625148 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | MI | Primary | Refinance - UTD | B |  |  | No D |
| 285625148 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 5/XX/2003 | MI | Primary | Refinance - UTD | D |  |  | No D |
| 285625206 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2005 | FL | Primary | Purchase | C |  |  | No A |
| 285625185 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 1/XX/2005 | NV | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625198 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 7/XX/2005 | FL | Primary | Purchase | B |  |  | No B |
| 285625198 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. |  |  |  |  |  |  |  | 1 | 7/XX/2005 | FL | Primary | Purchase | B |  |  | No B |
| 285625209 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. |  |  |  |  |  |  |  | 1 | 10/XX/2005 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625209 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625209 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625209 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625209 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 10/XX/2005 | MI | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625209 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 10/XX/2005 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625209 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2005 | MI | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625209 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2005 | MI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No B |
| 285625410 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 2 | 4/XX/2006 | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625258 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | FL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285625258 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | FL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285625414 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 11/XX/2006 | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625416 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL Itemization only disclosed origination charges in the amount of $XXX and final HUD reflects $XXX. |  |  |  |  |  |  | 2 | 1/XX/2007 | IN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625279 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625282 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | AL | Primary | Purchase | B |  |  | No B |
| 285625283 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 3/XX/2007 | MO | Primary | Purchase | B |  |  | No B |
| 285625283 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 3/XX/2007 | MO | Primary | Purchase | B |  |  | No B |
| 285625300 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2007 | NC | Primary | Purchase | C |  |  | No B |
| 285625300 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2007 | NC | Primary | Purchase | B |  |  | No B |
| 285625303 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | PA | Primary | Purchase | C |  |  | No B |
| 285625303 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | PA | Primary | Purchase | B |  |  | No B |
| 285625303 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | PA | Primary | Purchase | B |  |  | No B |
| 285625303 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | PA | Primary | Purchase | B |  |  | No B |
| 285625310 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | NE | Primary | Purchase | B |  |  | No B |
| 285625310 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | NE | Primary | Purchase | B |  |  | No B |
| 285625310 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | NE | Primary | Purchase | B |  |  | No B |
| 285625309 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | VA | Primary | Purchase | B |  |  | No B |
| 285625309 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | VA | Primary | Purchase | B |  |  | No B |
| 285625309 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | VA | Primary | Purchase | B |  |  | No B |
| 285625309 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | VA | Primary | Purchase | B |  |  | No B |
| 285625311 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | TX | Primary | Purchase | C |  |  | No B |
| 285625311 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625315 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625315 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625315 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625315 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625326 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625349 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | TX | Primary | Purchase | C |  |  | No B |
| 285625349 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625349 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | TX | Primary | Purchase | D |  |  | No B |
| 285625349 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | TX | Primary | Purchase | C |  |  | No B |
| 285625337 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | GA | Primary | Purchase | B |  |  | No B |
| 285625348 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | SC | Primary | Purchase | C |  |  | No B |
| 285625348 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285625348 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285625348 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285625348 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285625348 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | SC | Primary | Purchase | B |  |  | No B |
| 285625344 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625344 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2007 | IL | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625135 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not disclose a Closing Attorney Fee in the amount of $XXX and a Courier Fee in the amount of $XXX as prepaid finance charges. |  |  |  |  |  |  | 2 | 2/XX/2002 | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625136 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001. |  |  |  |  |  |  |  | 1 | 2/XX/2002 | PA | Primary | Purchase | B |  |  | No B |
| 285625136 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL Itemization did not disclose an Application fee of $XXX a Closing Protection Letter fee of $XXX and an Underwriting fee of $XXX partially offset by an itemized Underwriting fee of $XXX and Lender Credit to Borrower of $XXX as prepaid finance charges. |  |  |  |  |  |  | 2 | 2/XX/2002 | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625136 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2002 | PA | Primary | Purchase | C |  |  | No B |
| 285625144 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 2/XX/2003 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625144 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing Itemization of Amount Financed |  |  |  |  |  |  | 2 | 2/XX/2003 | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625165 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004. |  |  |  |  |  |  |  | 1 | 2/XX/2004 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625165 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 2/XX/2004 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625165 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL Itemization did not disclose the attorney fee of $XXX as a prepaid finance charge. |  |  |  |  |  |  | 2 | 2/XX/2004 | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625171 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. |  |  |  |  |  |  |  | 1 | 9/XX/2004 | DE | Primary | Purchase | B |  |  | No B |
| 285625171 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2004 | DE | Primary | Purchase | C |  |  | No B |
| 285625204 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2005 | MI | Primary | Purchase | C |  |  | No B |
| 285625204 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | MI | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625204 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  |  |  |  |  |  | 1 | 3/XX/2005 | MI | Primary | Purchase | B |  |  | No B |
| 285625204 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | MI | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625204 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | MI | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625211 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | The under disclosure is due to the lender not including a portion of the settlement fee ($XXX) and release tracking fee ($XXX) in the finance charge calculations. |  |  |  |  |  |  | 2 | 12/XX/2005 | VA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625214 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625226 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | KS | Primary | Purchase | C |  |  | No D |
| 285625226 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | KS | Primary | Purchase | B |  |  | No D |
| 285625226 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | KS | Primary | Purchase | D |  |  | No D |
| 285625226 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | KS | Primary | Purchase | B |  |  | No D |
| 285625227 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  |  |  |  |  |  | 1 | 4/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285625227 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2006 | TX | Primary | Purchase | C |  |  | No B |
| 285625235 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2006 | WA | Primary | Purchase | B |  |  | No B |
| 285625235 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  |  |  |  |  |  | 1 | 6/XX/2006 | WA | Primary | Purchase | B |  |  | No B |
| 285625234 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2006 | FL | Primary | Purchase | C |  |  | No B |
| 285625234 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. |  |  |  |  |  |  |  | 1 | 7/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285625238 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. |  |  |  |  |  |  |  | 1 | 2/XX/2006 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625238 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625238 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625277 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625277 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625277 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625308 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | TX | Primary | Purchase | C |  |  | No B |
| 285625308 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625308 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625318 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625322 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CT | Primary | Purchase | B |  |  | No B |
| 285625322 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | CT | Primary | Purchase | B |  |  | No B |
| 285625322 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | CT | Primary | Purchase | D |  |  | No B |
| 285625359 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not disclose an Attorney Fee of $XXX as a prepaid finance charge also TIL Itemization only disclosed Courier Fee in the amount of $XXX and Final HUD reflects $XXX. |  |  |  |  |  |  | 2 | 11/XX/2007 | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625361 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 10/XX/2007 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625361 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2007 | MD | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625375 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  | 1 | 3/XX/2008 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625376 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 2/XX/2008 | AZ | Primary | Purchase | B |  |  | No B |
| 285625376 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  |  |  | 1 | 2/XX/2008 | AZ | Primary | Purchase | B |  |  | No B |
| 285625378 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625378 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625378 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2008 | NY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625381 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008. |  |  |  |  |  |  |  | 1 | 4/XX/2008 | AZ | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625381 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2008 | AZ | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625386 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | ME | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625387 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 9/XX/2008 | ME | Investment | Refinance - Rate/Term | B |  |  | No B |
| 285625393 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2012. |  |  |  |  |  |  |  | 1 | 9/XX/2012 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625393 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2012 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625393 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2012 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625393 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2012 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625393 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2012 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625393 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2012 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625393 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2012 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625393 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2012 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625393 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: |  |  |  |  |  |  |  | 3 | 9/XX/2012 | MD | Primary | Refinance - Rate/Term | D |  |  | No B |
| 285625417 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2007 | LA | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| 285625417 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/2007 | LA | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| 285625417 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: 06/XX/2007 |  |  |  |  |  |  |  | 3 | 6/XX/2007 | LA | Primary | Refinance - Cash-out - Other | D |  |  | No D |
| 285625417 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | LA | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| 285625417 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | LA | Primary | Refinance - Cash-out - Other | D |  |  | No D |
| 285625417 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | LA | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| 285625417 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | LA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No D |
| 285625417 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | LA | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| 285625124 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/1998. |  |  |  |  |  |  |  | 1 | 10/XX/1998 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625125 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/1998. |  |  |  |  |  |  |  | 1 | 11/XX/1998 | AZ | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625125 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 11/XX/1998 | AZ | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625125 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 11/XX/1998 | AZ | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625126 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/1999. |  |  |  |  |  |  |  | 1 | 5/XX/1999 | NC | Primary | Purchase | B |  |  | No B |
| 285625126 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 5/XX/1999 | NC | Primary | Purchase | B |  |  | No B |
| 285625126 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 5/XX/1999 | NC | Primary | Purchase | C |  |  | No B |
| 285625132 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 11/XX/2001 | IN | Primary | Purchase | D |  |  | No A |
| 285625142 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 12/XX/2002 | NY | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| 285625142 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2002. |  |  |  |  |  |  |  | 1 | 12/XX/2002 | NY | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| 285625142 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 12/XX/2002 | NY | Investment | Refinance - Cash-out - Other | D |  |  | No B |
| 285625145 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2003 | TX | Primary | Purchase | C |  |  | No B |
| 285625145 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. |  |  |  |  |  |  |  | 1 | 3/XX/2003 | TX | Primary | Purchase | B |  |  | No B |
| 285625145 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2003 | TX | Primary | Purchase | B |  |  | No B |
| 285625145 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2003 | TX | Primary | Purchase | D |  |  | No B |
| 285625146 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003. |  |  |  |  |  |  |  | 1 | 3/XX/2003 | WA | Primary | Purchase | B |  |  | No B |
| 285625146 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2003 | WA | Primary | Purchase | B |  |  | No B |
| 285625146 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Itemization only disclosed prepaid interest charges in the amount of $XXX and final HUD reflects $XXX and settlement/escrow charges in the amount of $XXX and final HUD reflects $XXX. |  |  |  |  |  |  | 2 | 3/XX/2003 | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625150 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2003 | DE | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625150 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2003 | DE | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625150 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2003 | DE | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625155 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2003 | NJ | Primary | Purchase | C |  |  | No B |
| 285625155 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003. |  |  |  |  |  |  |  | 1 | 9/XX/2003 | NJ | Primary | Purchase | B |  |  | No B |
| 285625155 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | NJ | Primary | Purchase | B |  |  | No B |
| 285625158 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2003 | IL | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625158 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 10/XX/2003 | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285625158 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 10/XX/2003 | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285625162 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 3/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625162 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002. |  |  |  |  |  |  |  | 1 | 3/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625162 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 2 | 3/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625162 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | 3/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625162 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 2 | 3/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625170 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. |  |  |  |  |  |  |  | 1 | 9/XX/2004 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625170 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: 08/XX/2004 |  |  |  |  |  |  |  | 3 | 9/XX/2004 | GA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No B |
| 285625170 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2004 | GA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625173 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) | Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | ID | Primary | Purchase | B |  |  | No B |
| 285625175 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. |  |  |  |  |  |  |  | 1 | 9/XX/2004 | OK | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625175 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2004 | OK | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625184 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2004 | CA | Primary | Refinance - UTD | C |  |  | No D |
| 285625184 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 12/XX/2004 | CA | Primary | Refinance - UTD | B |  |  | No D |
| 285625184 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | CA | Primary | Refinance - UTD | B |  |  | No D |
| 285625184 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 12/XX/2004 | CA | Primary | Refinance - UTD | B |  |  | No D |
| 285625184 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  | 3 | 12/XX/2004 | CA | Primary | Refinance - UTD | D |  |  | No D |
| 285625184 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 12/XX/2004 | CA | Primary | Refinance - UTD | D |  |  | No D |
| 285625184 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 12/XX/2004 | CA | Primary | Refinance - UTD | B |  |  | No D |
| 285625184 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | CA | Primary | Refinance - UTD | B |  |  | No D |
| 285625184 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | CA | Primary | Refinance - UTD | B |  |  | No D |
| 285625184 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | CA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No D |
| 285625190 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625190 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. |  |  |  |  |  |  |  | 1 | 5/XX/2005 | NC | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625190 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 5/XX/2005 | NC | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625195 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | ME | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625196 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | MS | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625196 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.37500% is underdisclosed from calculated APR of 7.69528% outside of 0.125% tolerance. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 7/XX/2005 | MS | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625196 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 7/XX/2005 | MS | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625196 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | MS | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625210 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  |  |  |  |  |  | 1 | 11/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625219 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | PA | Primary | Purchase | B |  |  | No B |
| 285625219 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | PA | Primary | Purchase | C |  |  | No B |
| 285625219 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: 02/XX/2006 |  |  |  |  |  |  |  | 3 | 3/XX/2006 | PA | Primary | Purchase | D |  |  | No B |
| 285625220 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  |  |  | 1 | 3/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625220 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625230 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | PA | Primary | Purchase | C |  |  | No B |
| 285625230 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | PA | Primary | Purchase | B |  |  | No B |
| 285625230 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | PA | Primary | Purchase | B |  |  | No B |
| 285625230 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. |  |  | Reviewer Comment (2019/XX/24): Title fees were not disclosed as finance charges. |  |  |  |  | 2 | 5/XX/2006 | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625241 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: |  |  |  |  |  |  |  | 3 | 8/XX/2006 | NJ | Primary | Purchase | D |  |  | No A |
| 285625243 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | NY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625243 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  |  |  |  |  |  | 1 | 8/XX/2006 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625243 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625243 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not disclose a $XXX escrow service fee and a $XXX title pickup fee as prepaid finance charges. |  |  |  |  |  |  | 2 | 8/XX/2006 | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625245 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  |  |  |  |  |  | 1 | 8/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625245 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625263 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | IL | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625263 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. |  |  |  |  |  |  |  | 1 | 11/XX/2006 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625264 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  |  |  |  |  |  |  | 1 | 12/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625268 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | GA | Primary | Purchase | B |  |  | No B |
| 285625287 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625287 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625313 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285625313 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285625313 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | FL | Primary | Purchase | B |  |  | No B |
| 285625321 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | NY | Primary | Purchase | B |  |  | No B |
| 285625346 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625346 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Valuation Error: APN Number not provided. | Valuation Type: Appraisal / Valuation Report Date: 08/XX/2007 |  |  |  |  |  |  |  | 1 | 9/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625346 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625346 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625346 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625357 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | WA | Primary | Purchase | B |  |  | No B |
| 285625357 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | WA | Primary | Purchase | B |  |  | No B |
| 285625360 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  |  | 1 | 10/XX/2007 | NJ | Primary | Purchase | B |  |  | No B |
| 285625360 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2007 | NJ | Primary | Purchase | C |  |  | No B |
| 285625364 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | IL | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625364 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  |  |  |  |  |  | 1 | 12/XX/2007 | IL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625365 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | IL | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625365 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | IL | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625365 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007. |  |  |  |  |  |  |  | 1 | 1/XX/2008 | IL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625365 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | IL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625367 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| 285625367 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | IL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No D |
| 285625367 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | IL | Primary | Refinance - Cash-out - Other | D |  |  | No D |
| 285625367 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | IL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No D |
| 285625367 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 1/XX/2008 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| 285625370 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 2/XX/2008 | TX | Primary | Purchase | C |  |  | No B |
| 285625370 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 2/XX/2008 | TX | Primary | Purchase | B |  |  | No B |
| 285625370 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008. |  |  |  |  |  |  |  | 1 | 2/XX/2008 | TX | Primary | Purchase | B |  |  | No B |
| 285625370 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | TX | Primary | Purchase | B |  |  | No B |
| 285625374 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 2/XX/2008 | FL | Primary | Purchase | C |  |  | No B |
| 285625374 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 2/XX/2008 | FL | Primary | Purchase | D |  |  | No B |
| 285625374 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 2/XX/2008 | FL | Primary | Purchase | B |  |  | No B |
| 285625377 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2003 | NY | Primary | Purchase | B |  |  | No B |
| 285625377 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2003 | NY | Primary | Purchase | C |  |  | No B |
| 285625377 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003. |  |  |  |  |  |  |  | 1 | 10/XX/2003 | NY | Primary | Purchase | B |  |  | No B |
| 285625377 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 10/XX/2003 | NY | Primary | Purchase | B |  |  | No B |
| 285625382 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 4/XX/2008 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625382 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  |  |  |  |  |  | 1 | 4/XX/2008 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625384 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 5/XX/2008 | AZ | Investment | Refinance - Rate/Term | B |  |  | No B |
| 285625384 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2008 | AZ | Investment | Refinance - Rate/Term | C |  |  | No B |
| 285625384 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2008. |  |  |  |  |  |  |  | 1 | 5/XX/2008 | AZ | Investment | Refinance - Rate/Term | B |  |  | No B |
| 285625389 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 7/XX/2009 | GA | Primary | Refinance - Rate/Term | D |  |  | No D |
| 285625389 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2009 | GA | Primary | Refinance - Rate/Term | B |  |  | No D |
| 285625397 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2013 | CA | Second Home | Refinance - Rate/Term | C |  |  | No B |
| 285625397 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2013. |  |  |  |  |  |  |  | 1 | 7/XX/2013 | CA | Second Home | Refinance - Rate/Term | B |  |  | No B |
| 285625397 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2013 | CA | Second Home | Refinance - Rate/Term | B |  |  | No B |
| 285625397 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2013 | CA | Second Home | Refinance - Rate/Term | B |  |  | No B |
| 285625397 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2013 | CA | Second Home | Refinance - Rate/Term | B |  |  | No B |
| 285625397 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2013 | CA | Second Home | Refinance - Rate/Term | B |  |  | No B |
| 285625397 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2013 | CA | Second Home | Refinance - Rate/Term | B |  |  | No B |
| 285625397 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine reason for underdisclosure due to missing TIL itemization of amount financed. |  |  |  |  |  |  | 2 | 7/XX/2013 | CA | Second Home | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625397 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: |  |  |  |  |  |  |  | 3 | 7/XX/2013 | CA | Second Home | Refinance - Rate/Term | D |  |  | No B |
| 285625398 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2013 | MI | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625398 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: 06/XX/2013 |  |  |  |  |  |  |  | 3 | 7/XX/2013 | MI | Primary | Refinance - Rate/Term | D |  |  | No B |
| 285625398 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  | 2 | 7/XX/2013 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625398 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  | 2 | 7/XX/2013 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625398 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application. |  |  |  |  |  |  |  | 2 | 7/XX/2013 | MI | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625408 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | Unable to determine FACTA Credit Score Disclosure was provided due to missing information. |  |  |  |  |  |  |  | 1 | 3/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285625408 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  |  |  |  |  |  | 1 | 3/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285625408 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina CHL Complaint Agency Disclosure Timing Test | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285625413 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | NY | Primary | Purchase | C |  |  | No B |
| 285625413 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | NY | Primary | Purchase | B |  |  | No B |
| 285625419 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine the underdiscloure missing the itemization of financed |  |  |  |  |  |  | 2 | 10/XX/2007 | IN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625419 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  | 1 | 10/XX/2007 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625419 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625130 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 1/XX/2001 | CT | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625130 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Courier fee of $XXX is not present on Itemization of Amount Financed. |  |  |  |  |  |  | 2 | 1/XX/2001 | CT | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625131 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Under disclosure is due to the disclosed TIL dropping the monthly MI payment after the 73rd payment and the audited TIL not dropping the monthly MI until after the 75th payment |  |  |  |  |  |  | 2 | 4/XX/2001 | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625131 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: 03/XX/2001 |  |  |  |  |  |  |  | 3 | 4/XX/2001 | OH | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No B |
| 285625133 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2001 | MD | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625133 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 12/XX/2001 | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625133 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 12/XX/2001 | MD | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625133 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Under disclosure is in the payments. TIL reflects 93 payments with MI while the calcualation payments are at 94 with MI. |  |  |  |  |  |  | 2 | 12/XX/2001 | MD | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625137 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 5/XX/2002 | TX | Primary | Purchase | D |  |  | No B |
| 285625137 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 5/XX/2002 | TX | Primary | Purchase | C |  |  | No B |
| 285625137 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 5/XX/2002 | TX | Primary | Purchase | B |  |  | No B |
| 285625149 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2003 | CA | Primary | Refinance - UTD | C |  |  | No D |
| 285625149 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 6/XX/2003 | CA | Primary | Refinance - UTD | B |  |  | No D |
| 285625149 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 6/XX/2003 | CA | Primary | Refinance - UTD | D |  |  | No D |
| 285625149 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 6/XX/2003 | CA | Primary | Refinance - UTD | B |  |  | No D |
| 285625149 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 6/XX/2003 | CA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No D |
| 285625149 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 6/XX/2003 | CA | Primary | Refinance - UTD | B |  |  | No D |
| 285625149 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2003 | CA | Primary | Refinance - UTD | B |  |  | No D |
| 285625149 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2003 | CA | Primary | Refinance - UTD | D |  |  | No D |
| 285625149 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/2003 | CA | Primary | Refinance - UTD | B |  |  | No D |
| 285625149 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2003 | CA | Primary | Refinance - UTD | D |  |  | No D |
| 285625154 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2003 | NJ | Investment | Purchase | C |  |  | No D |
| 285625154 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/2003 | NJ | Investment | Purchase | B |  |  | No D |
| 285625154 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2003 | NJ | Investment | Purchase | D |  |  | No D |
| 285625154 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 9/XX/2003 | NJ | Investment | Purchase | B |  |  | No D |
| 285625154 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 9/XX/2003 | NJ | Investment | Purchase | D |  |  | No D |
| 285625154 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 9/XX/2003 | NJ | Investment | Purchase | B |  |  | No D |
| 285625154 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2003 | NJ | Investment | Purchase | D |  |  | No D |
| 285625154 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/2003 | NJ | Investment | Purchase | B |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2004 | VA | UTD | UTD - UTD | C |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2004 | VA | UTD | UTD - UTD | D |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2004 | VA | UTD | UTD - UTD | D |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 3/XX/2004 | VA | UTD | UTD - UTD | B |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 3/XX/2004 | VA | UTD | UTD - UTD | C |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 3/XX/2004 | VA | UTD | UTD - UTD | B |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2004 | VA | UTD | UTD - UTD | B |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 03/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 3/XX/2004 | VA | UTD | UTD - UTD | B |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 3/XX/2004 | VA | UTD | UTD - UTD | D |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 3/XX/2004 | VA | UTD | UTD - UTD | B |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | VA | UTD | UTD - UTD | B |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | VA | UTD | UTD - UTD | B |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 3/XX/2004 | VA | UTD | UTD - UTD | B |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | VA | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | VA | UTD | UTD - UTD | B |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2004 | VA | UTD | UTD - UTD | D |  |  | No D |
| 285625166 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Tangible Net Benefit Test | Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | VA | UTD | UTD - UTD | B |  |  | No D |
| 285625174 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | PA | Primary | Purchase | B |  |  | No B |
| 285625181 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2004 | GA | Primary | Purchase | C |  |  | No A |
| 285625183 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | FL | Primary | Purchase | B |  |  | No B |
| 285625183 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 1/XX/2005 | FL | Primary | Purchase | B |  |  | No B |
| 285625186 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  |  |  |  |  |  | 1 | 3/XX/2005 | PA | Primary | Purchase | B |  |  | No B |
| 285625186 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | PA | Primary | Purchase | B |  |  | No B |
| 285625193 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. |  |  |  |  |  |  |  | 1 | 3/XX/2005 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625193 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2005 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625200 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625207 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. |  |  |  |  |  |  |  | 1 | 11/XX/2005 | AL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625207 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | State Compliance | State Late Charge | Alabama Late Charge Percent and Amount Testing | Note late charge exceeds maximum per state. | Late charge of 5% equates to $XXX which exceeds the $XXX for the state of NY. |  |  |  |  |  |  | 2 | 11/XX/2005 | AL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625207 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 11/XX/2005 | AL | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625213 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285625213 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL Itemization did not disclose the $XXX settlement, $XXX tax cert and $XXX courier as prepaid finance charges. |  |  |  |  |  |  | 2 | 1/XX/2006 | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625222 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  |  |  | 1 | 3/XX/2006 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No D |
| 285625222 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | WA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No D |
| 285625222 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | WA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No D |
| 285625228 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NY | Primary | Purchase | B |  |  | No B |
| 285625233 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | GA | Primary | Purchase | B |  |  | No B |
| 285625233 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | GA | Primary | Purchase | C |  |  | No B |
| 285625237 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2006 | OH | Primary | Purchase | C |  |  | No B |
| 285625237 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  |  |  |  |  |  |  | 1 | 7/XX/2006 | OH | Primary | Purchase | B |  |  | No B |
| 285625251 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625251 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625251 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625259 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Initial period of PMI on TIL is 168 payments whereas the pay stream is 170 payments |  |  |  |  |  |  | 2 | 11/XX/2006 | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625262 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625265 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 11/XX/2006 | VA | Primary | Purchase | B |  |  | No B |
| 285625267 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 2 | 12/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625267 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2006 | MD | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625267 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 12/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625267 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  | 1 | 12/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625267 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625267 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No B |
| 285625273 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 1/XX/2007 | NJ | Primary | Purchase | B |  |  | No B |
| 285625273 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | NJ | Primary | Purchase | B |  |  | No B |
| 285625273 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | NJ | Primary | Purchase | B |  |  | No B |
| 285625275 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625275 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625275 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625275 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625275 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625275 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625275 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625275 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No B |
| 285625275 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: 10/XX/2006 |  |  |  |  |  |  |  | 3 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | D |  |  | No B |
| 285625280 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625295 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  | 1 | 3/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625295 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | TX | Primary | Purchase | B |  |  | No B |
| 285625295 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2007 | TX | Primary | Purchase | C |  |  | No B |
| 285625401 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Subject Refi Plus loan was approved without an appraisal, however, 2 valuations are required for securitization. |  |  |  |  |  |  | 3 | 5/XX/2014 | NJ | Primary | Refinance - Rate/Term | D | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625401 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | The flood cert was not found in file. |  |  |  |  |  |  | 3 | 5/XX/2014 | NJ | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625401 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The credit report was missing from file. Liability and credit score information obtained from other documentation provided in file. |  |  |  |  |  |  | 3 | 5/XX/2014 | NJ | Primary | Refinance - Rate/Term | D | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625401 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The Lender Approval was not provided in file. |  |  |  |  |  |  | 3 | 5/XX/2014 | NJ | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625401 | XXX | XXX | XXX | XXX | 7/XX/2019 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | Subject Refi Plus loan was approved without an appraisal, however, 2 valuations are required for securitization. |  |  |  |  |  |  | 1 | 5/XX/2014 | NJ | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625401 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The fraud report was not provided in file. |  |  |  |  |  |  | 3 | 5/XX/2014 | NJ | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625401 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | There is no evidence in file confirming the appraisal disclosure was provided to the Borrower within 3 days of initial application, however, subject loan is a Refi Plus in which an appraisal was not obtained. |  |  |  |  |  |  | 1 | 5/XX/2014 | NJ | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625401 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | There is no evidence found in file to confirm the FACTA disclosure was provided to the Borrower within 3 days of initial application. |  |  |  |  |  |  | 1 | 5/XX/2014 | NJ | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625401 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | There is no evidence the ABA disclosure was provided to the Borrower within 3 days of initial application. |  |  |  |  |  |  | 2 | 5/XX/2014 | NJ | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625401 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  | 2 | 5/XX/2014 | NJ | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625401 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  | 1 | 5/XX/2014 | NJ | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625401 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). | There were no GFE's provided in file. |  |  |  |  |  |  | 2 | 5/XX/2014 | NJ | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625401 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2014 | NJ | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625401 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. |  |  |  |  |  |  |  | 2 | 5/XX/2014 | NJ | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625401 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  | There were no GFE documents provided in file. |  |  |  |  |  |  | 1 | 5/XX/2014 | NJ | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625400 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX | Fraud report is missing from the file. |  | Reviewer Comment (2019/XX/24): Upon review exception is a duplicate and may be removed | 2/XX/2019 8:45:13 AM |  |  |  | 1 | 4/XX/2014 | MO | Primary | Refinance - Rate/Term | A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625400 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing from the file. |  |  |  |  |  |  | 3 | 4/XX/2014 | MO | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625400 | XXX | XXX | XXX | XXX | 7/XX/2019 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | Appraisal is not required per DU and review, however the loans is slated to a future securitization, and therefore an appraisal is required. |  |  |  |  |  |  | 1 | 4/XX/2014 | MO | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625400 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal is not required per DU and review, however the loans is slated to a future securitization, and therefore an appraisal is required |  |  |  |  |  |  | 3 | 4/XX/2014 | MO | Primary | Refinance - Rate/Term | D | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625402 | XXX | XXX | XXX | XXX | 7/XX/2019 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | Subject Refi Plus loan was approved without an appraisal, however, 2 valuations are required for securitization. |  |  |  |  |  |  | 1 | 12/XX/2014 | MO | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625402 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Subject loan was approved without an appraisal, however, 2 valuations are required for securitization. |  |  |  |  |  |  | 3 | 12/XX/2014 | MO | Primary | Refinance - Rate/Term | D | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625402 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | Unable to locate evidence of a sufficient cure provided to borrowers. |  |  |  |  |  |  | 2 | 12/XX/2014 | MO | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625402 | XXX | XXX | XXX | XXX | 7/XX/2019 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  |  |  |  | 3 | 12/XX/2014 | MO | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625493 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 11/XX/1998 | CO | Primary | Purchase | B |  |  | No B |
| 285625493 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 11/XX/1998 | CO | Primary | Purchase | B |  |  | No B |
| 285625493 | XXX | XXX | XXX | XXX | 9/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/1998 | CO | Primary | Purchase | C |  |  | No B |
| 285625496 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 1/XX/2008 | FL | Primary | Purchase | B |  |  | No B |
| 285625496 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Purchase | B |  |  | No B |
| 285625496 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Purchase | B |  |  | No B |
| 285625498 | XXX | XXX | XXX | XXX | 9/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2008 | FL | Primary | Purchase | C |  |  | No B |
| 285625498 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 9/XX/2008 | FL | Primary | Purchase | B |  |  | No B |
| 285625500 | XXX | XXX | XXX | XXX | 9/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | FL | Primary | Purchase | C |  |  | No D |
| 285625500 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/2005 | FL | Primary | Purchase | B |  |  | No D |
| 285625500 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/2005 | FL | Primary | Purchase | B |  |  | No D |
| 285625500 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 9/XX/2005 | FL | Primary | Purchase | B |  |  | No D |
| 285625500 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | FL | Primary | Purchase | D |  |  | No D |
| 285625500 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 9/XX/2005 | FL | Primary | Purchase | B |  |  | No D |
| 285625500 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | FL | Primary | Purchase | B |  |  | No D |
| 285625503 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 8/XX/2003 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285625504 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | AZ | Primary | Purchase | B |  |  | No B |
| 285625505 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 8/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285625505 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 1 | 8/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285625506 | XXX | XXX | XXX | XXX | 9/XX/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 5/XX/2003 | OH | Primary | Purchase | C |  |  | No B |
| 285625506 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | OH | Primary | Purchase | B |  |  | No B |
| 285625506 | XXX | XXX | XXX | XXX | 9/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 5/XX/2003 | OH | Primary | Purchase | C |  |  | No B |
| 285625508 | XXX | XXX | XXX | XXX | 9/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | PA | Primary | Purchase | C |  |  | No D |
| 285625508 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 5/XX/2007 | PA | Primary | Purchase | B |  |  | No D |
| 285625508 | XXX | XXX | XXX | XXX | 9/XX/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | PA | Primary | Purchase | C |  |  | No D |
| 285625508 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | PA | Primary | Purchase | B |  |  | No D |
| 285625508 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | PA | Primary | Purchase | D |  |  | No D |
| 285625508 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | PA | Primary | Purchase | B |  |  | No D |
| 285625508 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | PA | Primary | Purchase | B |  |  | No D |
| 285625508 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 5/XX/2007 | PA | Primary | Purchase | B |  |  | No D |
| 285625515 | XXX | XXX | XXX | XXX | 9/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/1999 | AL | Primary | Refinance - UTD | C |  |  | No D |
| 285625515 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 1/XX/1999 | AL | Primary | Refinance - UTD | B |  |  | No D |
| 285625515 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/1999 | AL | Primary | Refinance - UTD | B |  |  | No D |
| 285625515 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/1999 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 1/XX/1999 | AL | Primary | Refinance - UTD | B |  |  | No D |
| 285625515 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 1/XX/1999 | AL | Primary | Refinance - UTD | D |  |  | No D |
| 285625515 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 1/XX/1999 | AL | Primary | Refinance - UTD | B |  |  | No D |
| 285625515 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 1/XX/1999 | AL | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes D |
| 285625515 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 1/XX/1999 | AL | Primary | Refinance - UTD | B |  |  | No D |
| 285625542 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 8/XX/2003 | TX | Primary | Purchase | B |  |  | No B |
| 285625542 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 8/XX/2003 | TX | Primary | Purchase | B |  |  | No B |
| 285625543 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 5/XX/2005 | ME | Primary | Purchase | B |  |  | No B |
| 285625544 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 12/XX/2005 | IL | Primary | Purchase | B |  |  | No B |
| 285625544 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 1 | 12/XX/2005 | IL | Primary | Purchase | B |  |  | No B |
| 285625544 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | IL | Primary | Purchase | B |  |  | No B |
| 285625546 | XXX | XXX | XXX | XXX | 9/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 11/XX/2005 | OH | Primary | Purchase | C |  |  | No B |
| 285625546 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | State Compliance | State Defect | Ohio Prepayment Penalty | Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance. | PPP Expired. Prepayment charge not allowed per state (OH) - max prepayment charge for OH loan is 1% - note states 6 months advance interest. XXX. |  |  |  |  |  |  | 2 | 11/XX/2005 | OH | Primary | Purchase | B |  |  | No B |
| 285625546 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | OH | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625546 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | OH | Primary | Purchase | B |  |  | No B |
| 285625548 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 12/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625548 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 12/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625548 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625565 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  | 2 | 10/XX/2010 | OH | Primary | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | Yes B |
| 285625565 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 10/XX/2010 | OH | Primary | Purchase | B |  |  | No B |
| 285625565 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  | 1 | 10/XX/2010 | OH | Primary | Purchase | B |  |  | No B |
| 285625565 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  | 1 | 10/XX/2010 | OH | Primary | Purchase | B |  |  | No B |
| 285625565 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 10/XX/2010 | OH | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285625565 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  | Confirmed |  |  |  |  |  |  | 2 | 10/XX/2010 | OH | Primary | Purchase | B |  |  | No B |
| 285625567 | XXX | XXX | XXX | XXX | 9/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2003 | NC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625567 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 5/XX/2003 | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625572 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 1 | 7/XX/2006 | NJ | Primary | Purchase | B |  |  | No B |
| 285625572 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | PPP Expired. Prepayment charge not allowed per state (NJ) - Note states 2%, 2%, 2%. Lender is XXX. |  |  |  |  |  |  | 2 | 7/XX/2006 | NJ | Primary | Purchase | B |  |  | No B |
| 285625572 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | NJ | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625572 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.27400% is underdisclosed from calculated APR of 7.59515% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 3.79% per the lender approval, however the lowest index value available in the lookback period is 4.11%. |  |  |  |  |  |  | 2 | 7/XX/2006 | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285625572 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Under disclosure is due to the lender utilizing an index value of 3.79% per the lender approval, however the lowest index value available in the lookback period is 4.11%. |  |  |  |  |  |  | 2 | 7/XX/2006 | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285625580 | XXX | XXX | XXX | XXX | 9/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/1993 | NJ | UTD | Purchase | C |  |  | No D |
| 285625580 | XXX | XXX | XXX | XXX | 9/XX/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  | 3 | 11/XX/1993 | NJ | UTD | Purchase | C |  |  | No D |
| 285625580 | XXX | XXX | XXX | XXX | 9/XX/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 11/XX/1993 | NJ | UTD | Purchase | C |  |  | No D |
| 285625580 | XXX | XXX | XXX | XXX | 9/XX/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: HUD/VA 92900-A not provided |  |  |  |  |  |  |  |  | 3 | 11/XX/1993 | NJ | UTD | Purchase | C |  |  | No D |
| 285625580 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/1993 | NJ | UTD | Purchase | B |  |  | No D |
| 285625580 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 11/XX/1993 | NJ | UTD | Purchase | B |  |  | No D |
| 285625580 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 11/XX/1993 | NJ | UTD | Purchase | B |  |  | No D |
| 285625580 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/1993 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 11/XX/1993 | NJ | UTD | Purchase | B |  |  | No D |
| 285625580 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  | 1 | 11/XX/1993 | NJ | UTD | Purchase | B |  |  | No D |
| 285625580 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 11/XX/1993 | NJ | UTD | Purchase | D |  |  | No D |
| 285625580 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1993 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 11/XX/1993 | NJ | UTD | Purchase | B |  |  | No D |
| 285625580 | XXX | XXX | XXX | XXX | 9/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 11/XX/1993 | NJ | UTD | Purchase | B |  |  | No D |
| 285625580 | XXX | XXX | XXX | XXX | 9/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 11/XX/1993 | NJ | UTD | Purchase | C |  |  | No D |
| 285625502 | XXX | XXX | XXX | XXX | 10/XX/2016 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Disaster Date: XX/XX/XXXX<br> Inspection Date: |  |  |  |  |  |  |  | 3 | 2/XX/2005 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625502 | XXX | XXX | XXX | XXX | 10/XX/2016 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 2/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625502 | XXX | XXX | XXX | XXX | 10/XX/2016 | Compliance | Compliance | Miscellaneous Compliance | TILA | Initial TIL not disclosed to the borrower within 3 days. |  |  |  |  |  |  |  |  | 2 | 2/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625502 | XXX | XXX | XXX | XXX | 10/XX/2016 | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of 1/XX/2005 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625502 | XXX | XXX | XXX | XXX | 10/XX/2016 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625501 | XXX | XXX | XXX | XXX | 10/XX/2016 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 5/XX/2004 | NY | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625501 | XXX | XXX | XXX | XXX | 10/XX/2016 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 5/XX/2004 | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625501 | XXX | XXX | XXX | XXX | 10/XX/2016 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 5/XX/2004 | NY | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625509 | XXX | XXX | XXX | XXX | 3/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2003 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625509 | XXX | XXX | XXX | XXX | 3/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Disaster Date: XX/XX/XXXX<br> Inspection Date: XX/XX/XXXX |  |  |  |  |  |  |  | 3 | 5/XX/2003 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625509 | XXX | XXX | XXX | XXX | 3/XX/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 5/XX/2003 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625509 | XXX | XXX | XXX | XXX | 3/XX/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 4/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 3/XX/2003. |  |  |  |  |  |  |  | 1 | 5/XX/2003 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625509 | XXX | XXX | XXX | XXX | 3/XX/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625510 | XXX | XXX | XXX | XXX | 4/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2008 | NY | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625510 | XXX | XXX | XXX | XXX | 4/XX/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 4/XX/2008 | NY | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625510 | XXX | XXX | XXX | XXX | 4/XX/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2008 | NY | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625510 | XXX | XXX | XXX | XXX | 4/XX/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Special Flood Hazard Zone indicator was not provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | NY | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625510 | XXX | XXX | XXX | XXX | 4/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | NY | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285625511 | XXX | XXX | XXX | XXX | 4/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | CO | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285625511 | XXX | XXX | XXX | XXX | 4/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | CO | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285625511 | XXX | XXX | XXX | XXX | 4/XX/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 8/XX/2003, prior to three (3) business days from transaction date of 8/XX/2003. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625507 | XXX | XXX | XXX | XXX | 4/XX/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625513 | XXX | XXX | XXX | XXX | 4/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625513 | XXX | XXX | XXX | XXX | 4/XX/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 7/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625513 | XXX | XXX | XXX | XXX | 4/XX/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 6/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 1/XX/2007. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625492 | XXX | XXX | XXX | XXX | 4/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625492 | XXX | XXX | XXX | XXX | 4/XX/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 4/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 4/XX/2007. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625492 | XXX | XXX | XXX | XXX | 4/XX/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625518 | XXX | XXX | XXX | XXX | 5/XX/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2009 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625518 | XXX | XXX | XXX | XXX | 5/XX/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2009 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625518 | XXX | XXX | XXX | XXX | 5/XX/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Ability to Repay Not Verified | Unable to determine if borrower's ability to repay requirements have been met due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2009 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625517 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Client approved use of alternative application document for initial application date |  |  |  |  |  |  | 1 | 8/XX/2007 | DE | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625517 | XXX | XXX | XXX | XXX | 8/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2007 | DE | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625517 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | DE | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625555 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 11/XX/2004 | RI | Primary | Purchase | D |  |  | No D |
| 285625555 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 11/XX/2004 | RI | Primary | Purchase | B |  |  | No D |
| 285625555 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2004 | RI | Primary | Purchase | No Defined Cure B |  |  | No D |
| 285625555 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 11/XX/2004 | RI | Primary | Purchase | B |  |  | No D |
| 285625555 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 11/XX/2004 | RI | Primary | Purchase | B |  |  | No D |
| 285625554 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 8/XX/2003 | NC | Primary | Refinance - Rate/Term | B |  |  | No C |
| 285625554 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003. |  |  |  |  |  |  |  | 1 | 8/XX/2003 | NC | Primary | Refinance - Rate/Term | B |  |  | No C |
| 285625554 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | NC | Primary | Refinance - Rate/Term | C |  |  | No C |
| 285625554 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | NC | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No C |
| 285625549 | XXX | XXX | XXX | XXX | 8/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/1998 | LA | Primary | Purchase | C |  |  | No A |
| 285625553 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003. |  |  |  |  |  |  |  | 1 | 8/XX/2003 | KS | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| 285625553 | XXX | XXX | XXX | XXX | 8/XX/2017 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | ARM Error: Initial Rate Minimum was not provided |  | Initial rate minimum is less than the Margin stated on the Note. |  |  |  |  |  |  | 3 | 8/XX/2003 | KS | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| 285625499 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625499 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | MA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285625499 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related. |  |  |  |  |  |  | 2 | 12/XX/2005 | MA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625522 | XXX | XXX | XXX | XXX | 9/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625522 | XXX | XXX | XXX | XXX | 9/XX/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  |  |  |  |  |  | 1 | 8/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625522 | XXX | XXX | XXX | XXX | 9/XX/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625522 | XXX | XXX | XXX | XXX | 9/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 8/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625551 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. |  |  |  |  |  |  |  | 1 | 1/XX/2005 | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625521 | XXX | XXX | XXX | XXX | 8/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2007 | ME | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625521 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | ME | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625521 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | ME | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625521 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | ME | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625524 | XXX | XXX | XXX | XXX | 9/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2008 | OR | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625524 | XXX | XXX | XXX | XXX | 9/XX/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  |  |  |  |  |  | 1 | 4/XX/2008 | OR | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625524 | XXX | XXX | XXX | XXX | 9/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | OR | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625524 | XXX | XXX | XXX | XXX | 9/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | OR | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625526 | XXX | XXX | XXX | XXX | 11/XX/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  | 1 | 12/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625527 | XXX | XXX | XXX | XXX | 11/XX/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 4/XX/2011 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No C |
| 285625527 | XXX | XXX | XXX | XXX | 11/XX/2017 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. |  |  |  |  |  |  |  | 3 | 4/XX/2011 | RI | Primary | Refinance - Cash-out - Other | C |  |  | No C |
| 285625527 | XXX | XXX | XXX | XXX | 11/XX/2017 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (High Cost Analysis Not In File) | Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. |  |  |  |  |  |  |  | 3 | 4/XX/2011 | RI | Primary | Refinance - Cash-out - Other | A |  |  | No C |
| 285625527 | XXX | XXX | XXX | XXX | 11/XX/2017 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. |  |  |  |  |  |  |  | 3 | 4/XX/2011 | RI | Primary | Refinance - Cash-out - Other | C |  |  | No C |
| 285625527 | XXX | XXX | XXX | XXX | 11/XX/2017 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided) | Rhode Island Home Loan: Tangible Net Benefit Disclosure not provided to borrower for refinance within 60 months. |  |  |  |  |  |  |  | 3 | 4/XX/2011 | RI | Primary | Refinance - Cash-out - Other | C |  |  | No C |
| 285625527 | XXX | XXX | XXX | XXX | 11/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2011 | RI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No C |
| 285625527 | XXX | XXX | XXX | XXX | 11/XX/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  | 2 | 4/XX/2011 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No C |
| 285625527 | XXX | XXX | XXX | XXX | 11/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2011 | RI | Primary | Refinance - Cash-out - Other | C |  |  | No C |
| 285625527 | XXX | XXX | XXX | XXX | 11/XX/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 4/XX/2011 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No C |
| 285625527 | XXX | XXX | XXX | XXX | 11/XX/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 4/XX/2011 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No C |
| 285625527 | XXX | XXX | XXX | XXX | 11/XX/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 4/XX/2011 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No C |
| 285625527 | XXX | XXX | XXX | XXX | 11/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 4/XX/2011 | RI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No C |
| 285625529 | XXX | XXX | XXX | XXX | 12/XX/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 5/XX/2008 | VA | Primary | Purchase | B |  |  | No B |
| 285625529 | XXX | XXX | XXX | XXX | 12/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 5/XX/2008 | VA | Primary | Purchase | C |  |  | No B |
| 285625529 | XXX | XXX | XXX | XXX | 12/XX/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 5/XX/2008 | VA | Primary | Purchase | B |  |  | No B |
| 285625529 | XXX | XXX | XXX | XXX | 12/XX/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 5/XX/2008 | VA | Primary | Purchase | B |  |  | No B |
| 285625531 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | FHA MIP | Document Error | FHA MIP | Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. |  |  |  | Reviewer Comment (2018/XX/30): Missing the final 1003, 92900-A, and final HUD-1 statement, however the loan is exempt from federal, state, and local high cost testing.<br>Reviewer Comment (2018/XX/30): AMC - please confirm if able to complete high cost testing (if applicable) |  |  |  |  | 3 | 9/XX/2007 | OH | Primary | Purchase | C |  |  | No D |
| 285625531 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/2007 | OH | Primary | Purchase | B |  |  | No D |
| 285625531 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | OH | Primary | Purchase | C |  |  | No D |
| 285625531 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | OH | Primary | Purchase | C |  |  | No D |
| 285625531 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  | High Cost testing not complete – Premium and terms were not documented in file |  |  |  |  |  |  | 3 | 9/XX/2007 | OH | Primary | Purchase | C |  |  | No D |
| 285625531 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: HUD/VA 92900-A not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | OH | Primary | Purchase | C |  |  | No D |
| 285625531 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | OH | Primary | Purchase | B |  |  | No D |
| 285625531 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | OH | Primary | Purchase | B |  |  | No D |
| 285625531 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 9/XX/2007 | OH | Primary | Purchase | D |  |  | No D |
| 285625531 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | OH | Primary | Purchase | B |  |  | No D |
| 285625531 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | OH | Primary | Purchase | B |  |  | No D |
| 285625531 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | OH | Primary | Purchase | B |  |  | No D |
| 285625531 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  | 1 | 9/XX/2007 | OH | Primary | Purchase | B |  |  | No D |
| 285625531 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | OH | Primary | Purchase | B |  |  | No D |
| 285625531 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 9/XX/2007 | OH | Primary | Purchase | B |  |  | No D |
| 285625530 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2009 | OH | Primary | Refinance - UTD | C |  |  | No D |
| 285625530 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 10/XX/2009 | OH | Primary | Refinance - UTD | B |  |  | No D |
| 285625530 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2009 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 10/XX/2009 | OH | Primary | Refinance - UTD | B |  |  | No D |
| 285625530 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 10/XX/2009 | OH | Primary | Refinance - UTD | D |  |  | No D |
| 285625530 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2009. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 10/XX/2009 | OH | Primary | Refinance - UTD | B |  |  | No D |
| 285625530 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation. | The loan file does not contain third party documentation of the Borrower's ability to repay the loan. |  |  |  |  |  |  | 1 | 10/XX/2009 | OH | Primary | Refinance - UTD | B |  |  | No D |
| 285625530 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  | 1 | 10/XX/2009 | OH | Primary | Refinance - UTD | B |  |  | No D |
| 285625530 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  | 1 | 10/XX/2009 | OH | Primary | Refinance - UTD | B |  |  | No D |
| 285625530 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio CSPA Tangible Net Benefit Test | Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  |  |  |  | 2 | 10/XX/2009 | OH | Primary | Refinance - UTD | B |  |  | No D |
| 285625530 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  | 2 | 10/XX/2009 | OH | Primary | Refinance - UTD | B |  |  | No D |
| 285625530 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 10/XX/2009 | OH | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No D |
| 285625530 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 10/XX/2009 | OH | Primary | Refinance - UTD | B |  |  | No D |
| 285625536 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 11/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285625536 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 11/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285625536 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 11/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285625536 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | TX | Primary | Purchase | C |  |  | No B |
| 285625536 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  | 1 | 11/XX/2006 | TX | Primary | Purchase | B |  |  | No B |
| 285625535 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2005 | TX | Primary | Purchase | C |  |  | No D |
| 285625535 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 4/XX/2005 | TX | Primary | Purchase | B |  |  | No D |
| 285625535 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | TX | Primary | Purchase | D |  |  | No D |
| 285625535 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 4/XX/2005 | TX | Primary | Purchase | B |  |  | No D |
| 285625535 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | TX | Primary | Purchase | B |  |  | No D |
| 285625535 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | 9 day grace period less than 10 day minimum per state (TX) |  |  |  |  |  |  | 2 | 4/XX/2005 | TX | Primary | Purchase | B |  |  | No D |
| 285625535 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | TX | Primary | Purchase | B |  |  | No D |
| 285625535 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 4/XX/2005 | TX | Primary | Purchase | B |  |  | No D |
| 285625533 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2008 | MD | Primary | Purchase | C |  |  | No B |
| 285625533 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2008. |  |  |  |  |  |  |  | 1 | 6/XX/2008 | MD | Primary | Purchase | B |  |  | No B |
| 285625533 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2008 | MD | Primary | Purchase | B |  |  | No B |
| 285625539 | XXX | XXX | XXX | XXX | 8/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2003 | SC | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625539 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2003 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625539 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 7/XX/2003 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625539 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003. |  |  |  |  |  |  |  | 1 | 7/XX/2003 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625539 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 7/XX/2003 | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625539 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 7/XX/2003 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625540 | XXX | XXX | XXX | XXX | 8/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2004 | IN | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625540 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2004 | IN | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625540 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 3/XX/2004 | IN | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625540 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. |  |  |  |  |  |  |  | 1 | 3/XX/2004 | IN | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625540 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | IN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625540 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | IN | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625494 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Reviewer Comment (2018/XX/20): Disclosure provided. Condition cleared. | 8/XX/2018 9:03:51 AM |  |  |  | 1 | 8/XX/2006 | FL | Primary | Refinance - Rate/Term | A |  |  | No B |
| 285625494 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  |  |  |  |  |  | 1 | 8/XX/2006 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625494 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625494 | XXX | XXX | XXX | XXX | 8/XX/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2018/XX/20): Short From Title provided. Condition cleared. | 8/XX/2018 8:47:21 AM |  |  |  | 1 | 8/XX/2006 | FL | Primary | Refinance - Rate/Term | A |  |  | No B |
| 285625494 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2018/XX/20): GFE provided. Condition cleared. | 8/XX/2018 9:02:13 AM |  |  |  | 1 | 8/XX/2006 | FL | Primary | Refinance - Rate/Term | A |  |  | No B |
| 285625494 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2018/XX/23): Received HUD<br>Reviewer Comment (2018/XX/20): HUD provided is stamped true and correct but who certified is not identified. Condition remains. | 8/XX/2018 2:06:12 PM |  |  |  | 1 | 8/XX/2006 | FL | Primary | Refinance - Rate/Term | A |  |  | No B |
| 285625494 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | FL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625495 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  | Reviewer Comment (2018/XX/19): Received Note | 8/XX/2018 7:41:29 PM |  |  |  | 1 | 10/XX/2008 | CA | Primary | Purchase | A |  |  | No D |
| 285625495 | XXX | XXX | XXX | XXX | 8/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  | Reviewer Comment (2018/XX/19): Received Security Instrument | 8/XX/2018 7:41:29 PM |  |  |  | 1 | 10/XX/2008 | CA | Primary | Purchase | A |  |  | No D |
| 285625495 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2018/XX/19): Received Lender's Initial 1003 | 8/XX/2018 7:41:29 PM |  |  |  | 1 | 10/XX/2008 | CA | Primary | Purchase | A |  |  | No D |
| 285625495 | XXX | XXX | XXX | XXX | 8/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2018/XX/19): Received Lender's Final 1003 | 8/XX/2018 7:41:29 PM |  |  |  | 1 | 10/XX/2008 | CA | Primary | Purchase | A |  |  | No D |
| 285625495 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2018/XX/19): Received HUD | 8/XX/2018 7:41:29 PM |  |  |  | 1 | 10/XX/2008 | CA | Primary | Purchase | A |  |  | No D |
| 285625495 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | The file contains an appraisal, AUS, GFE, Final TIL, Closing Instructions and Flood Certificate from origination. |  | Reviewer Comment (2018/XX/19): Received Note and other origination documentation | 8/XX/2018 7:41:29 PM |  |  |  | 1 | 10/XX/2008 | CA | Primary | Purchase | A |  |  | No D |
| 285625495 | XXX | XXX | XXX | XXX | 8/XX/2018 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2008 | CA | Primary | Purchase | C |  |  | No D |
| 285625495 | XXX | XXX | XXX | XXX | 8/XX/2018 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  | High Cost testing complete - Premium and terms documented in file |  |  |  |  |  |  | 3 | 10/XX/2008 | CA | Primary | Purchase | C |  |  | No D |
| 285625495 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | Line 104 contains a Hold Back for Energy Efficient Mortgage |  | Reviewer Comment (2018/XX/23): Received duplicate copy of HUD showing Hold Back on line 104. Unable to clear exception. |  |  |  |  | 3 | 10/XX/2008 | CA | Primary | Purchase | D |  |  | No D |
| 285625495 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 6.89200% is underdisclosed from calculated APR of 7.16633% outside of 0.125% tolerance. | Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be payment stream related. |  |  |  |  |  |  | 2 | 10/XX/2008 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No D |
| 285625495 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be payment stream related. |  |  |  |  |  |  | 2 | 10/XX/2008 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No D |
| 285625547 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | MD | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625547 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | MD | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285625547 | XXX | XXX | XXX | XXX | 8/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | MD | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| 285625547 | XXX | XXX | XXX | XXX | 8/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | MD | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625538 | XXX | XXX | XXX | XXX | 9/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | 7/XX/2004 | CA | Primary | Purchase | B |  |  | No B |
| 285625538 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2004 | CA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625538 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 7/XX/2004 | CA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625538 | XXX | XXX | XXX | XXX | 9/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | It appears a lower index was used than the 1.2883% index available at the time of the look-back period. |  |  |  |  |  |  | 2 | 7/XX/2004 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625557 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625557 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Under-disclosure due to lender utilizing and index value of 4.75% per approval, however the lowest index value available in the lookback period is 4.770%. |  |  |  |  |  |  | 2 | 4/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625557 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625557 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625566 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2006 | PA | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625566 | XXX | XXX | XXX | XXX | 11/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  |  |  |  | 3 | 9/XX/2006 | PA | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625566 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 9/XX/2006 | PA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625566 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | PA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625566 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625566 | XXX | XXX | XXX | XXX | 11/XX/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | PA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625516 | XXX | XXX | XXX | XXX | 1/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 9/XX/2008 | IN | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625577 | XXX | XXX | XXX | XXX | 2/XX/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | 5/XX/2007 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625577 | XXX | XXX | XXX | XXX | 2/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625577 | XXX | XXX | XXX | XXX | 2/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625577 | XXX | XXX | XXX | XXX | 2/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 5/XX/2007 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625578 | XXX | XXX | XXX | XXX | 2/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625578 | XXX | XXX | XXX | XXX | 2/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625578 | XXX | XXX | XXX | XXX | 2/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625578 | XXX | XXX | XXX | XXX | 2/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285625581 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2002 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625581 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2002. |  |  |  |  |  |  |  | 1 | 10/XX/2002 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625581 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 10/XX/2002 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625581 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 1 | 10/XX/2002 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625581 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2002, prior to three (3) business days from transaction date of 10/XX/2002. |  |  |  |  |  |  |  | 2 | 10/XX/2002 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625581 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  | 2 | 10/XX/2002 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625519 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | IL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625519 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 9/XX/2005 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625519 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 9/XX/2005 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625519 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 9/XX/2005 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625519 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  |  |  |  |  |  | 1 | 9/XX/2005 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625519 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No B |
| 285625519 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625582 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2007 | NY | Primary | Purchase | C |  |  | No B |
| 285625582 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | NY | Primary | Purchase | B |  |  | No B |
| 285625582 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | NY | Primary | Purchase | B |  |  | No B |
| 285625556 | XXX | XXX | XXX | XXX | 5/XX/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | SC | Primary | Purchase | B |  |  | No B |
| 285625537 | XXX | XXX | XXX | XXX | 2/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625537 | XXX | XXX | XXX | XXX | 2/XX/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 3/XX/2007 which is 1 months prior to consummation. A 7 month lookback was used to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624474 | XXX | XXX | XXX | XXX | 12/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | KS | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624474 | XXX | XXX | XXX | XXX | 12/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | KS | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624471 | XXX | XXX | XXX | XXX | 12/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2007 | MS | Primary | Purchase | C |  |  | No A |
| 285624471 | XXX | XXX | XXX | XXX | 12/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Disaster Date: XX/XX/XXXX<br> Inspection Date: |  |  |  |  |  |  |  | 3 | 10/XX/2007 | MS | Primary | Purchase | C |  |  | No A |
| 285624466 | XXX | XXX | XXX | XXX | 12/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285624460 | XXX | XXX | XXX | XXX | 7/XX/2016 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2002 | OH | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624460 | XXX | XXX | XXX | XXX | 7/XX/2016 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2002 | OH | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624460 | XXX | XXX | XXX | XXX | 7/XX/2016 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 3/XX/2002 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624460 | XXX | XXX | XXX | XXX | 7/XX/2016 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 3/XX/2002 | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285624460 | XXX | XXX | XXX | XXX | 7/XX/2016 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2002 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624460 | XXX | XXX | XXX | XXX | 7/XX/2016 | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/2002 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2002 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624460 | XXX | XXX | XXX | XXX | 7/XX/2016 | Credit | Loan Package Documentation | Closing / Title | Title | Final Title Policy is missing. No evidence of title was found in file. |  |  |  |  |  |  |  |  | 1 | 3/XX/2002 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624460 | XXX | XXX | XXX | XXX | 7/XX/2016 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2002 | OH | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624463 | XXX | XXX | XXX | XXX | 7/XX/2016 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2008 | PA | Primary | Refinance - Cash-out - Other | C |  |  | No D |
| 285624463 | XXX | XXX | XXX | XXX | 7/XX/2016 | Credit | Loan Package Documentation | Government Documentation | FHA MIP | FHA MIP Error (Borrower Paid): | Calculated Borrower paid FHA upfront premium of $XXX does not match the mortgage insurance premium collected on the HUD-1 of | HUD is missing |  |  |  |  |  |  | 3 | 4/XX/2008 | PA | Primary | Refinance - Cash-out - Other | C |  |  | No D |
| 285624463 | XXX | XXX | XXX | XXX | 7/XX/2016 | Credit | Loan Package Documentation | Closing / Title | Title | Final Title Policy is missing. No evidence of title was found in file. |  |  |  |  |  |  |  |  | 1 | 4/XX/2008 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| 285624463 | XXX | XXX | XXX | XXX | 7/XX/2016 | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of 3/XX/2008 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| 285624463 | XXX | XXX | XXX | XXX | 7/XX/2016 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 4/XX/2008 | PA | Primary | Refinance - Cash-out - Other | D |  |  | No D |
| 285624464 | XXX | XXX | XXX | XXX | 7/XX/2016 | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/2006 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624477 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. |  |  |  |  |  |  |  | 1 | 6/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624477 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624465 | XXX | XXX | XXX | XXX | 8/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2004 | NC | Primary | Refinance - Rate/Term | C |  |  | No C |
| 285624465 | XXX | XXX | XXX | XXX | 8/XX/2017 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2004 | NC | Primary | Refinance - Rate/Term | C |  |  | No C |
| 285624465 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004. |  |  |  |  |  |  |  | 1 | 8/XX/2004 | NC | Primary | Refinance - Rate/Term | B |  |  | No C |
| 285624465 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | NC | Primary | Refinance - Rate/Term | B |  |  | No C |
| 285624465 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | NC | Primary | Refinance - Rate/Term | C |  |  | No C |
| 285624465 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | NC | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No C |
| 285624465 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Disclosed payment on Note of $XXX does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 2 | 8/XX/2004 | NC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No C |
| 285624465 | XXX | XXX | XXX | XXX | 8/XX/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | NC | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No C |
| 285624478 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2004 | WI | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624478 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  | 1 | 9/XX/2004 | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624478 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | 9/XX/2004 | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624478 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 9/XX/2004 | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624478 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  |  |  |  |  |  | 1 | 9/XX/2004 | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624478 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2004, prior to three (3) business days from transaction date of 09/XX/2004. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | WI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285624478 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 9/XX/2004 | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624478 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624479 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 12/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624479 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  |  |  |  |  |  |  | 1 | 12/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624479 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Tangible Net Benefit Test | Virginia Mortgage Lender and Broker Act: Unable to determine if mortgage loan was refinanced within the past twelve (12) months without a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624479 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285624479 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624479 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624480 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2005 | NC | Primary | Purchase | C |  |  | No B |
| 285624480 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004. |  |  |  |  |  |  |  | 1 | 3/XX/2005 | NC | Primary | Purchase | B |  |  | No B |
| 285624482 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | 2/XX/1997 | OH | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624482 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/1997 | OH | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624482 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 2/XX/1997 | OH | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624482 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 2/XX/1997 | OH | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285624482 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 2/XX/1997 | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285624482 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 2/XX/1997 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624482 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee payment stream related. |  |  |  |  |  |  | 2 | 2/XX/1997 | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285624484 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624484 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285624484 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.44740% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .44740%). |  |  |  |  |  |  |  | 2 | 10/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624484 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 10/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624484 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | State Compliance | State Late Charge | Pennsylvania First Lien Late Charge Grace Period Testing | Note grace period less than minimum per state. | Verified late charge is compliant with state requirements |  |  |  |  |  |  | 2 | 10/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624484 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285624484 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. |  |  |  |  |  |  |  | 1 | 10/XX/2005 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285624485 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2006 | NY | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624485 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  |  |  | 1 | 7/XX/2006 | NY | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624485 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | NY | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624487 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2006 | PA | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624487 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  |  |  | 1 | 7/XX/2006 | PA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624487 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | PA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624487 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | PA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624487 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | State Compliance | State Late Charge | Pennsylvania First Lien Late Charge Grace Period Testing | Note grace period less than minimum per state. | Grace period not allowed per state (PA) – min grace period for PA is 15 days - note states 10 days |  |  |  |  |  |  | 2 | 7/XX/2006 | PA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285624487 | XXX | XXX | XXX | XXX | 4/XX/2018 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2006 | PA | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285624487 | XXX | XXX | XXX | XXX | 4/XX/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | PA | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625624 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  |  |  |  |  |  | 3 | 5/XX/2017 | AR | Primary | Purchase | C | UTD | HUD Safe Harbor QM | No C |
| 285625624 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA MIP Error: Missing evidence of case number assignment date. |  |  |  |  |  |  |  |  | 3 | 5/XX/2017 | AR | Primary | Purchase | C | UTD | HUD Safe Harbor QM | No C |
| 285625624 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. |  |  |  |  |  |  |  |  | 2 | 5/XX/2017 | AR | Primary | Purchase | B | UTD | HUD Safe Harbor QM | No C |
| 285625624 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Comparables or Comparable adjustments are unreasonable for the value being supported | Valuation Type: Appraisal / Valuation Report Date: 04/XX/2017 | Gross Adjustments made to comparables of 47.4% / 47.7% / 48.1% were excessive. |  |  |  |  |  |  | 3 | 5/XX/2017 | AR | Primary | Purchase | C | UTD | HUD Safe Harbor QM | No C |
| 285625624 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing. | Disclosure: FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) (Government Documents) |  |  |  |  |  |  |  | 3 | 5/XX/2017 | AR | Primary | Purchase | C | UTD | HUD Safe Harbor QM | No C |
| 285625624 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Guideline | Guideline Issue | Guideline | Case # Assignment does not indicate "All borrowers passed SSN validation". |  | Missing evidence of Case # Assignment. |  |  |  |  |  |  | 3 | 5/XX/2017 | AR | Primary | Purchase | C | UTD | HUD Safe Harbor QM | No C |
| 285625624 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date. | Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) |  |  |  |  |  |  |  | 2 | 5/XX/2017 | AR | Primary | Purchase | B | UTD | HUD Safe Harbor QM | No C |
| 285625624 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date. | Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents) |  |  |  |  |  |  |  | 2 | 5/XX/2017 | AR | Primary | Purchase | B | UTD | HUD Safe Harbor QM | No C |
| 285625624 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. | Missing evidence of Case # Assignment. |  |  |  |  |  |  | 1 | 5/XX/2017 | AR | Primary | Purchase | B | UTD | HUD Safe Harbor QM | No C |
| 285625624 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2017 | AR | Primary | Purchase | B | UTD | HUD Safe Harbor QM | No C |
| 285625624 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2017) | The final CD reflects a Lender Credit of $XXX for closing costs above the legal limit; however, a valid changed circumstance for increase in discount points on 04/XX/2017 or evidence of a cure not provided. |  |  |  |  |  |  | 1 | 5/XX/2017 | AR | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | UTD | HUD Safe Harbor QM | No C |
| 285625624 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | A valid changed circumstance for increase in discount points on 04/XX/2017 or evidence of a cure not provided. |  |  |  |  |  |  | 2 | 5/XX/2017 | AR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | UTD | HUD Safe Harbor QM | No C |
| 285625624 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Insufficient cure due to missing valid changed circumstance for increase in discount points on 04/XX/2017. |  |  |  |  |  |  | 2 | 5/XX/2017 | AR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | UTD | HUD Safe Harbor QM | No C |
| 285625624 | XXX | XXX | XXX | XXX | 4/XX/2019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Unknown Loan Designation | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is HUD Safe Harbor QM. |  |  |  |  |  |  |  | 3 | 5/XX/2017 | AR | Primary | Purchase | B C | UTD | HUD Safe Harbor QM | No C |
| 285625624 | XXX | XXX | XXX | XXX | 4/XX/2019 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage shortfall of $XXX. Insurer's Replacement Cost Estimator not provided. |  |  |  |  |  |  | 3 | 5/XX/2017 | AR | Primary | Purchase | C | UTD | HUD Safe Harbor QM | No C |
| 285625626 | XXX | XXX | XXX | XXX | 3/XX/2019 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: 02/XX/2017 |  |  |  |  |  |  |  | 3 | 3/XX/2017 | AZ | Primary | Purchase | C | UTD | Temporary HPQM (GSE/Agency Eligible) | No B |
| 285625626 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXX on Final Closing Disclosure provided on 03/XX/2017 not accurate. (Final/03/XX/2017) | Based on appraisal amount for HOA of $XXX monthly, non escrowed property costs of $XXX is not accurate. |  |  |  |  |  |  | 2 | 3/XX/2017 | AZ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | UTD | Temporary HPQM (GSE/Agency Eligible) | No B |
| 285625626 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 03/XX/2017 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/03/XX/2017) | The seller CD showed no closing cost paid by the seller. |  |  |  |  |  |  | 2 | 3/XX/2017 | AZ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | UTD | Temporary HPQM (GSE/Agency Eligible) | No B |
| 285625626 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Summaries Of Transactions - Seller Credit | TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 03/XX/2017 disclosed a Seller Credit that does not match the Seller Credit from the Calculating Cash to Close table. (Final/03/XX/2017) | The summaries of transactions shows a seller credit of $XXX, however the Calculating the cash to close table shows a seller credit of 0. |  |  |  |  |  |  | 2 | 3/XX/2017 | AZ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | UTD | Temporary HPQM (GSE/Agency Eligible) | No B |
| 285625626 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/XX/2017) | The closing costs exceeded the legal limit and no cure was provided. |  |  |  |  |  |  | 1 | 3/XX/2017 | AZ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | UTD | Temporary HPQM (GSE/Agency Eligible) | No B |
| 285625626 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/03/XX/2017) | Initial CD was issued 3 days prior to closing, however, evidence of receipt and or delivery method is missing. |  |  |  |  |  |  | 2 | 3/XX/2017 | AZ | Primary | Purchase | No Defined Cure B | UTD | Temporary HPQM (GSE/Agency Eligible) | No B |
| 285625626 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 03/XX/2017 not received by borrower at least four (4) business days prior to closing. (Interim/03/XX/2017) | Documentation of receipt is missing. |  |  |  |  |  |  | 2 | 3/XX/2017 | AZ | Primary | Purchase | No Defined Cure B | UTD | Temporary HPQM (GSE/Agency Eligible) | No B |
| 285625626 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Re-Underwriting Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (73141) | There was no cure provided for the wrong disclosure of the Re- underwriting fee. Loan amount and program did change, however, supporting documentation of valid change circumstance is missing. |  |  |  |  |  |  | 2 | 3/XX/2017 | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | UTD | Temporary HPQM (GSE/Agency Eligible) | No B |
| 285625626 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Compliance Audit / Quality Control Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75108) | No cure was provided for the fee difference on the Quality Control fee. |  |  |  |  |  |  | 2 | 3/XX/2017 | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | UTD | Temporary HPQM (GSE/Agency Eligible) | No B |
| 285625626 | XXX | XXX | XXX | XXX | 3/XX/2019 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/02/XX/2017) | Document sent to borrower with insufficient time to receive before closing. |  |  |  |  |  |  | 1 | 3/XX/2017 | AZ | Primary | Purchase | B | UTD | Temporary HPQM (GSE/Agency Eligible) | No B |
| 285625627 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | Borrower: Hector Guevara | Received copy of front and back of permanent resident alien card. |  |  |  |  |  |  | 3 | 4/XX/2017 | IL | Primary | Refinance - Limited Cash-out GSE | C | UTD | Safe Harbor QM | No C |
| 285625627 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | Borrower: Hector Guevara | Received copy of front and back of borrowers permanent resident card. |  |  |  |  |  |  | 3 | 4/XX/2017 | IL | Primary | Refinance - Limited Cash-out GSE | C | UTD | Safe Harbor QM | No C |
| 285625627 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. | Credit Report: Original // Public Record Type: Bankruptcy / Balance: 0.00 | Borrower has discharge bankruptcy 08/2011. |  |  |  |  |  |  | 3 | 4/XX/2017 | IL | Primary | Refinance - Limited Cash-out GSE | C | UTD | Safe Harbor QM | No C |
| 285625627 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Unknown Loan Designation | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. |  |  |  |  |  |  |  | 3 | 4/XX/2017 | IL | Primary | Refinance - Limited Cash-out GSE | B C | UTD | Safe Harbor QM | No C |
| 285625627 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  | 1 | 4/XX/2017 | IL | Primary | Refinance - Limited Cash-out GSE | B | UTD | Safe Harbor QM | No C |
| 285625627 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Disclosure was signed by borrower at closing on 04/XX/17. |  |  |  |  |  |  | 1 | 4/XX/2017 | IL | Primary | Refinance - Limited Cash-out GSE | B | UTD | Safe Harbor QM | No C |
| 285625627 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Servicing Disclosure Timing | File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. | Disclosure was not provided with loan documents. |  |  |  |  |  |  | 1 | 4/XX/2017 | IL | Primary | Refinance - Limited Cash-out GSE | B | UTD | Safe Harbor QM | No C |
| 285625627 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/04/XX/2017) | Initial LE provided was issued 04/XX/17. |  |  |  |  |  |  | 2 | 4/XX/2017 | IL | Primary | Refinance - Limited Cash-out GSE | No Defined Cure B | UTD | Safe Harbor QM | No C |
| 285625598 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 9/XX/2004 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625598 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625599 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 2/XX/2008 | LA | Primary | Purchase | C |  |  | No A |
| 285625600 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2009 | VA | Primary | Purchase | C |  |  | No B |
| 285625600 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2009 | VA | Primary | Purchase | C |  |  | No B |
| 285625600 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2009 | VA | Primary | Purchase | B |  |  | No B |
| 285625600 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 1 | 9/XX/2009 | VA | Primary | Purchase | B |  |  | No B |
| 285625600 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2009 | VA | Primary | Purchase | B |  |  | No B |
| 285625601 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2008 | MD | Primary | Purchase | C |  |  | No B |
| 285625601 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2008 | MD | Primary | Purchase | C |  |  | No B |
| 285625601 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2008 | MD | Primary | Purchase | B |  |  | No B |
| 285625601 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 1 | 6/XX/2008 | MD | Primary | Purchase | B |  |  | No B |
| 285625601 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 6/XX/2008 | MD | Primary | Purchase | C |  |  | No B |
| 285625602 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625602 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625602 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625602 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625602 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285625602 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625602 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625602 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625603 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2003 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625603 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 6/XX/2003 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625603 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2003 | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625603 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | 6/XX/2003 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625603 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 6/XX/2003 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625603 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2003 | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625604 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625604 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625604 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625604 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285625604 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625605 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 5/XX/2007 | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625605 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | State Compliance | State Defect | Connecticut Prepayment Penalty Test | Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625605 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CT | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625605 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CT | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625606 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/1999 | MN | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625606 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 12/XX/1999 | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625606 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 12/XX/1999 | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625606 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 12/XX/1999 | MN | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625607 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2004 | CT | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625607 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 2/XX/2004 | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625607 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 1 | 2/XX/2004 | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625608 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No D |
| 285625608 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No D |
| 285625608 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No D |
| 285625608 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes D |
| 285625608 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No D |
| 285625608 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No D |
| 285625608 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No D |
| 285625609 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | NY | Primary | Purchase | C |  |  | No B |
| 285625609 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 10/XX/2006 | NY | Primary | Purchase | C |  |  | No B |
| 285625609 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | NY | Primary | Purchase | B |  |  | No B |
| 285625609 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | NY | Primary | Purchase | B |  |  | No B |
| 285625609 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 10/XX/2006 | NY | Primary | Purchase | B |  |  | No B |
| 285625611 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 6/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625613 | XXX | XXX | XXX | XXX | 6/XX/2025 | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | File contains only post closing documets. |  |  |  |  |  |  | 3 |  |  | UTD | UTD - UTD | D |  |  | No D |
| 285625614 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Other | D |  |  | No D |
| 285625614 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| 285625614 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| 285625614 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| 285625614 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No D |
| 285625615 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | TX | Primary | Purchase | B |  |  | No B |
| 285625615 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | TX | Primary | Purchase | B |  |  | No B |
| 285625615 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Under disclosure appears to be payment stream related. The payment streams adjust after 134 months and the loan is a fixed rate and no evidence of a buy down. |  |  |  |  |  |  | 2 | 10/XX/2004 | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285625615 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/2004 | TX | Primary | Purchase | B |  |  | No B |
| 285625616 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No D |
| 285625616 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 2 | 9/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes D |
| 285625616 | XXX | XXX | XXX | XXX | 1/XX/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes D |
| 285625617 | XXX | XXX | XXX | XXX | 1/XX/2020 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | NJ | Primary | Purchase | C |  |  | No A |
| 285625442 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625442 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285625442 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285625478 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 8/XX/2006 | MD | Primary | Purchase | B |  |  | No B |
| 285625478 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  |  |  |  |  |  | 1 | 8/XX/2006 | MD | Primary | Purchase | B |  |  | No B |
| 285625443 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 1 | 4/XX/2008 | CO | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625443 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | CO | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625443 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2008 | CO | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625446 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2003 | HI | Second Home | Refinance - Rate/Term | C |  |  | No B |
| 285625446 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 4/XX/2003 | HI | Second Home | Refinance - Rate/Term | B |  |  | No B |
| 285625446 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2002. |  |  |  |  |  |  |  | 1 | 4/XX/2003 | HI | Second Home | Refinance - Rate/Term | B |  |  | No B |
| 285625445 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625445 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625445 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 1 | 7/XX/2007 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625445 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 7/XX/2007 | MO | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625481 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | IL | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625481 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 10/XX/2006 | IL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625481 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | IL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625481 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | IL | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625482 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: HUD/VA 92900-A not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2008 | AR | Primary | Purchase | C |  |  | No A |
| 285625482 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2008 | AR | Primary | Purchase | C |  |  | No A |
| 285625483 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | MO | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625483 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | MO | Primary | Refinance - Rate/Term | C |  |  | No B |
| 285625483 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | MO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No B |
| 285625483 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine the fee under disclosure due to missing the itemization of amount financed. |  |  |  |  |  |  | 2 | 1/XX/2008 | MO | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625483 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | MO | Primary | Refinance - Rate/Term | B |  |  | No B |
| 285625483 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | MO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625449 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/1999 | FL | UTD | Refinance - Cash-out - Other | C |  |  | No D |
| 285625449 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 5/XX/1999 | FL | UTD | Refinance - Cash-out - Other | B |  |  | No D |
| 285625449 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 5/XX/1999 | FL | UTD | Refinance - Cash-out - Other | B |  |  | No D |
| 285625449 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 5/XX/1999 | FL | UTD | Refinance - Cash-out - Other | C |  |  | No D |
| 285625449 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/1999 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 5/XX/1999 | FL | UTD | Refinance - Cash-out - Other | B |  |  | No D |
| 285625449 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 5/XX/1999 | FL | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No D |
| 285625449 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 5/XX/1999 | FL | UTD | Refinance - Cash-out - Other | B |  |  | No D |
| 285625449 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 5/XX/1999 | FL | UTD | Refinance - Cash-out - Other | D |  |  | No D |
| 285625449 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/1998. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 5/XX/1999 | FL | UTD | Refinance - Cash-out - Other | B |  |  | No D |
| 285625486 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625486 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625486 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 1 | 5/XX/2006 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625486 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625486 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No B |
| 285625486 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625450 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 1 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| 285625450 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No D |
| 285625450 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No D |
| 285625450 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/12): Received the same unsigned HUD from the original image file, no changes made. |  |  |  |  | 3 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | D |  |  | No D |
| 285625488 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | FL | Primary | Purchase | C |  |  | No B |
| 285625488 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285625488 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 3/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285625488 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 3/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285625488 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  |  |  |  |  |  | 1 | 3/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285625488 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | FL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625488 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | FL | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625488 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | FL | Primary | Purchase | B |  |  | No B |
| 285625487 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  |  |  |  |  |  | 1 | 2/XX/2006 | WA | Primary | Purchase | B |  |  | No B |
| 285625487 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 1 | 2/XX/2006 | WA | Primary | Purchase | B |  |  | No B |
| 285625487 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | WA | Primary | Purchase | B |  |  | No B |
| 285625487 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | WA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625453 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | NC | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625453 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | NC | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625454 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 5/XX/2005 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625454 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 5/XX/2005 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625454 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 1 | 5/XX/2005 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625454 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No B |
| 285625454 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625455 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/1998 | FL | Primary | Purchase | C |  |  | No D |
| 285625455 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 3/XX/1998 | FL | Primary | Purchase | B |  |  | No D |
| 285625455 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/1998 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 3/XX/1998 | FL | Primary | Purchase | B |  |  | No D |
| 285625455 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 3/XX/1998 | FL | Primary | Purchase | D |  |  | No D |
| 285625455 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/1997. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 3/XX/1998 | FL | Primary | Purchase | B |  |  | No D |
| 285625455 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 3/XX/1998 | FL | Primary | Purchase | B |  |  | No D |
| 285625455 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/1998 | FL | Primary | Purchase | B |  |  | No D |
| 285625421 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | State Compliance | State Late Charge | Pennsylvania First Lien Late Charge Grace Period Testing | Note grace period less than minimum per state. | 10 day grace period is less than 15 day minimum per state (PA). |  |  |  |  |  |  | 2 | 11/XX/2003 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625457 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625457 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  | 1 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625457 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625457 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| 285625422 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | NY | Primary | Purchase | B |  |  | No B |
| 285625422 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | NY | Primary | Purchase | B |  |  | No B |
| 285625422 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 1 | 2/XX/2007 | NY | Primary | Purchase | B |  |  | No B |
| 285625459 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625459 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625460 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. |  |  |  |  |  |  |  | 1 | 8/XX/2004 | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625460 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | NC | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625460 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | NC | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| 285625461 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2005 | NY | Primary | Purchase | C |  |  | No D |
| 285625461 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2019/XX/12): Doc provided. | 7/XX/2019 3:30:04 PM |  |  |  | 1 | 1/XX/2005 | NY | Primary | Purchase | A |  |  | No D |
| 285625461 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/12): Doc provided. | 7/XX/2019 3:30:04 PM |  |  |  | 1 | 1/XX/2005 | NY | Primary | Purchase | A |  |  | No D |
| 285625461 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/12): Doc provided. | 7/XX/2019 3:30:04 PM |  |  |  | 1 | 1/XX/2005 | NY | Primary | Purchase | A |  |  | No D |
| 285625461 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Reviewer Comment (2019/XX/12): Doc provided. | 7/XX/2019 3:30:04 PM |  |  |  | 1 | 1/XX/2005 | NY | Primary | Purchase | A |  |  | No D |
| 285625461 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 1/XX/2005 | NY | Primary | Purchase | B |  |  | No D |
| 285625461 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 1/XX/2005 | NY | Primary | Purchase | C |  |  | No D |
| 285625461 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | NY | Primary | Purchase | No Defined Cure B |  |  | No D |
| 285625461 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | NY | Primary | Purchase | No Defined Cure B |  |  | No D |
| 285625461 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Reviewer Comment (2019/XX/12): Doc provided. | 7/XX/2019 3:30:04 PM |  |  |  | 1 | 1/XX/2005 | NY | Primary | Purchase | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No D |
| 285625461 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2005 | NY | Primary | Purchase | B |  |  | No D |
| 285625461 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | HUD is considered estimated due to line 1011 reflecting a $XXX Escrow Cushion. |  |  |  |  |  |  | 3 | 1/XX/2005 | NY | Primary | Purchase | D |  |  | No D |
| 285625461 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. |  |  |  |  |  |  |  | 1 | 1/XX/2005 | NY | Primary | Purchase | B |  |  | No D |
| 285625461 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No D |
| 285625424 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2007 | MD | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625424 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2019/XX/11): Disbursement date reflected on Final HUD-1 provided for review. Exception cleared. | 7/XX/2019 3:42:25 PM |  |  |  | 1 | 11/XX/2007 | MD | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| 285625424 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/11): Final HUD-1 provided for review. Exception cleared. | 7/XX/2019 3:42:25 PM |  |  |  | 1 | 11/XX/2007 | MD | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| 285625424 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/11): Final HUD-1 provided for review. Exception cleared. | 7/XX/2019 3:42:25 PM |  |  |  | 1 | 11/XX/2007 | MD | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| 285625424 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Reviewer Comment (2019/XX/11): Right to Cancel provided for review. Exception cleared. | 7/XX/2019 3:42:25 PM |  |  |  | 1 | 11/XX/2007 | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No B |
| 285625424 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Reviewer Comment (2019/XX/11): Final TIL provided for review. Exception cleared. | 7/XX/2019 3:42:25 PM |  |  |  | 1 | 11/XX/2007 | MD | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| 285625424 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/2007 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625424 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 11/XX/2007 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625424 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 11/XX/2007 | MD | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625424 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  | 1 | 11/XX/2007 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625424 | XXX | XXX | XXX | XXX | 7/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625466 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 8/XX/2007 | NJ | Primary | Purchase | B |  |  | No B |
| 285625466 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | NJ | Primary | Purchase | B |  |  | No B |
| 285625466 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 8/XX/2007 | NJ | Primary | Purchase | B |  |  | No B |
| 285625466 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 8/XX/2007 | NJ | Primary | Purchase | B |  |  | No B |
| 285625467 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/1999 | FL | Primary | Purchase | C |  |  | No B |
| 285625467 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 4/XX/1999 | FL | Primary | Purchase | B |  |  | No B |
| 285625467 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 4/XX/1999 | FL | Primary | Purchase | B |  |  | No B |
| 285625467 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/1998. |  |  |  |  |  |  |  | 1 | 4/XX/1999 | FL | Primary | Purchase | B |  |  | No B |
| 285625433 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2002 | MA | Primary | UTD - UTD | C |  |  | No D |
| 285625433 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2002 | MA | Primary | UTD - UTD | B |  |  | No D |
| 285625433 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 7/XX/2002 | MA | Primary | UTD - UTD | B |  |  | No D |
| 285625433 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 7/XX/2002 | MA | Primary | UTD - UTD | B |  |  | No D |
| 285625433 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 7/XX/2002 | MA | Primary | UTD - UTD | D |  |  | No D |
| 285625433 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 7/XX/2002 | MA | Primary | UTD - UTD | B |  |  | No D |
| 285625433 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 7/XX/2002 | MA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No D |
| 285625433 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 7/XX/2002 | MA | Primary | UTD - UTD | B |  |  | No D |
| 285625434 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2007 | GA | Primary | Purchase | C |  |  | No B |
| 285625434 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 1/XX/2007 | GA | Primary | Purchase | B |  |  | No B |
| 285625434 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | GA | Primary | Purchase | B |  |  | No B |
| 285625434 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 1/XX/2007 | GA | Primary | Purchase | B |  |  | No B |
| 285625468 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/2005 | FL | Primary | Purchase | B |  |  | No B |
| 285625468 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. |  |  |  |  |  |  |  | 1 | 6/XX/2005 | FL | Primary | Purchase | B |  |  | No B |
| 285625468 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | 6/XX/2005 | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No B |
| 285625468 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 6/XX/2005 | FL | Primary | Purchase | B |  |  | No B |
| 285625435 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 1/XX/2007 | TN | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625435 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  |  |  |  |  |  | 1 | 1/XX/2007 | TN | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625470 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625470 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625470 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625470 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625470 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625470 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No B |
| 285625470 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625437 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2000 | NC | Primary | Purchase | C |  |  | No D |
| 285625437 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2000 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 6/XX/2000 | NC | Primary | Purchase | B |  |  | No D |
| 285625437 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 6/XX/2000 | NC | Primary | Purchase | D |  |  | No D |
| 285625437 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 6/XX/2000 | NC | Primary | Purchase | B |  |  | No D |
| 285625437 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2000 | NC | Primary | Purchase | No Defined Cure B |  |  | No D |
| 285625437 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2000 | NC | Primary | Purchase | No Defined Cure B |  |  | No D |
| 285625437 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2000 | NC | Primary | Purchase | B |  |  | No D |
| 285625437 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/2000 | NC | Primary | Purchase | B |  |  | No D |
| 285625437 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 6/XX/2000 | NC | Primary | Purchase | C |  |  | No D |
| 285625438 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2009 | MA | Primary | Purchase | C |  |  | No B |
| 285625438 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 5/XX/2009 | MA | Primary | Purchase | B |  |  | No B |
| 285625438 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2009 | MA | Primary | Purchase | B |  |  | No B |
| 285625438 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 5/XX/2009 | MA | Primary | Purchase | B |  |  | No B |
| 285625438 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 5/XX/2009 | MA | Primary | Purchase | B |  |  | No B |
| 285625472 | XXX | XXX | XXX | XXX | 6/XX/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2003 | SC | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| 285625472 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/2003 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625472 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 6/XX/2003 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625472 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002. |  |  |  |  |  |  |  | 1 | 6/XX/2003 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625472 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 1 | 6/XX/2003 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625472 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2003, prior to three (3) business days from transaction date of 06/XX/2003. |  |  |  |  |  |  |  | 2 | 6/XX/2003 | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No B |
| 285625472 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 6/XX/2003 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625472 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 6/XX/2003 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625472 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 6/XX/2003 | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No B |
| 285625439 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 1 | 1/XX/2005 | NM | Primary | Purchase | B |  |  | No B |
| 285625439 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | NM | Primary | Purchase | B |  |  | No B |
| 285625439 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 1/XX/2005 | NM | Primary | Purchase | B |  |  | No B |
| 285625439 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | NM | Primary | Purchase | B |  |  | No B |
| 285625474 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 4/XX/2006 | VA | Primary | Purchase | B |  |  | No B |
| 285625474 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 1 | 4/XX/2006 | VA | Primary | Purchase | B |  |  | No B |
| 285625474 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | VA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625474 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 4/XX/2006 | VA | Primary | Purchase | B |  |  | No B |
| 285625474 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | VA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625440 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  |  |  |  |  |  | 1 | 6/XX/2006 | IN | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| 285625475 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 2 | 11/XX/2006 | GA | Primary | Purchase | B |  |  | No B |
| 285625475 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 11/XX/2006 | GA | Primary | Purchase | B |  |  | No B |
| 285625475 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | GA | Primary | Purchase | B |  |  | No B |
| 285625475 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | GA | Primary | Purchase | B |  |  | No B |
| 285625475 | XXX | XXX | XXX | XXX | 6/XX/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 11/XX/2006 | GA | Primary | Purchase | B |  |  | No B |
| 285625583 | XXX | XXX | XXX | XXX | 5/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 9/XX/2006 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625583 | XXX | XXX | XXX | XXX | 5/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 9/XX/2006 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625583 | XXX | XXX | XXX | XXX | 5/XX/2020 | Compliance | Compliance | State Compliance | State Defect | South Carolina CHL Complaint Agency Disclosure Timing Test | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625583 | XXX | XXX | XXX | XXX | 5/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine reason for underdisclosure, itemization does not break down the fees included in the total prepaid finance charge |  |  |  |  |  |  | 2 | 9/XX/2006 | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285625583 | XXX | XXX | XXX | XXX | 5/XX/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285625595 | XXX | XXX | XXX | XXX | 6/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2005 | AR | Primary | Purchase | C |  |  | No D |
| 285625595 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/2005 | AR | Primary | Purchase | B |  |  | No D |
| 285625595 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 10/XX/2005 | AR | Primary | Purchase | B |  |  | No D |
| 285625595 | XXX | XXX | XXX | XXX | 6/XX/2020 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 10/XX/2005 | AR | Primary | Purchase | C |  |  | No D |
| 285625595 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 10/XX/2005 | AR | Primary | Purchase | B |  |  | No D |
| 285625595 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 10/XX/2005 | AR | Primary | Purchase | D |  |  | No D |
| 285625595 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 1 | 10/XX/2005 | AR | Primary | Purchase | B |  |  | No D |
| 285625595 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | AR | Primary | Purchase | No Defined Cure B |  |  | No D |
| 285625595 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | AR | Primary | Purchase | B |  |  | No D |
| 285625596 | XXX | XXX | XXX | XXX | 7/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | FL | UTD | UTD - UTD | C |  |  | No D |
| 285625596 | XXX | XXX | XXX | XXX | 7/XX/2020 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  | 1 | 6/XX/2007 | FL | UTD | UTD - UTD | B |  |  | No D |
| 285625596 | XXX | XXX | XXX | XXX | 7/XX/2020 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note is missing pages 4-6 of 6. It should also be noted that the note was Amended and Restated 6/XX/2011. |  |  |  |  |  |  | 3 | 6/XX/2007 | FL | UTD | UTD - UTD | D |  |  | No D |
| 285625596 | XXX | XXX | XXX | XXX | 7/XX/2020 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | FL | UTD | UTD - UTD | D |  |  | No D |
| 285625596 | XXX | XXX | XXX | XXX | 7/XX/2020 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing |  |  |  |  |  |  |  |  | 2 | 6/XX/2007 | FL | UTD | UTD - UTD | B |  |  | No D |
| 285625596 | XXX | XXX | XXX | XXX | 7/XX/2020 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | FL | UTD | UTD - UTD | C |  |  | No D |
| 285625596 | XXX | XXX | XXX | XXX | 7/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 6/XX/2007 | FL | UTD | UTD - UTD | C |  |  | No D |
| 285625596 | XXX | XXX | XXX | XXX | 7/XX/2020 | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | Loan file only contains Security Instrument, ARM Rider and pages 1-3 of 6 page Note. |  |  |  |  |  |  | 3 | 6/XX/2007 | FL | UTD | UTD - UTD | D |  |  | No D |
| 285625592 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 12/XX/1997 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625592 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 12/XX/1997 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| 285625592 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not disclose an Attorney fee of $XXX and a Courier fee of $XXX partially offset by and itemized Credit Report fee of $XXX as prepaid finance charges. |  |  |  |  |  |  | 2 | 12/XX/1997 | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| 285625592 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 12/XX/1997 | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285625594 | XXX | XXX | XXX | XXX | 6/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | TX | Primary | Purchase | C |  |  | No B |
| 285625594 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2005 | TX | Primary | Purchase | B |  |  | No B |
| 285625594 | XXX | XXX | XXX | XXX | 6/XX/2020 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | 6/XX/2005 | TX | Primary | Purchase | B |  |  | No B |
| 285625594 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 6/XX/2005 | TX | Primary | Purchase | B |  |  | No B |
| 285625594 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 6/XX/2005 | TX | Primary | Purchase | B |  |  | No B |
| 285625594 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 6/XX/2005 | TX | Primary | Purchase | B |  |  | No B |
| 285625587 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | TX | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625587 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | TX | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625589 | XXX | XXX | XXX | XXX | 6/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/1999 | NC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625589 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 8/XX/1999 | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625589 | XXX | XXX | XXX | XXX | 6/XX/2020 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 8/XX/1999 | NC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625589 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 8/XX/1999 | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625589 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 8/XX/1999 | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625589 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | 8/XX/1999 | NC | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| 285625589 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | 8/XX/1999 | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625591 | XXX | XXX | XXX | XXX | 6/XX/2020 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | NY | Primary | Purchase | C |  |  | No B |
| 285625591 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 10/XX/2006 | NY | Primary | Purchase | B |  |  | No B |
| 285625586 | XXX | XXX | XXX | XXX | 6/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/1999 | IN | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625586 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 3/XX/1999 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625590 | XXX | XXX | XXX | XXX | 6/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2002 | LA | Primary | Purchase | C |  |  | No B |
| 285625590 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 1 | 8/XX/2002 | LA | Primary | Purchase | B |  |  | No B |
| 285625590 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2002 | LA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625590 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2002 | LA | Primary | Purchase | No Defined Cure B |  |  | No B |
| 285625584 | XXX | XXX | XXX | XXX | 6/XX/2020 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 3/XX/2007 | PA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625584 | XXX | XXX | XXX | XXX | 6/XX/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625633 | XXX | XXX | XXX | XXX | 4/XX/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.41176% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 1.41176%). | Points and Fees on subject loan of 4.41176% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX. |  | Reviewer Comment (2021/XX/04): Waived without Comp factors per buyers request<br>Buyer Comment (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan. |  |  |  | 5/XX/2021 1:06:08 PM | 3 | 5/XX/2020 | NY | Primary | Refinance - Limited Cash-out GSE | If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions:<br> 1) Refund is made within 210 days of consummation;<br> 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;<br> 3) The loan is not 60 days delinquent;<br> 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and<br> 5) The loan was closed on or before January 10, 2021;<br>Documents Required to Cure<br> 1) Letter of Explanation<br> 2) Copy of Refund Check (in the amount of overage plus interest)<br> 3) Proof of Delivery<br> 4) Lender/Seller Attestation indicating:<br> a) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;<br> b) The loan is not 60 days delinquent; and<br> c) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer | Safe Harbor QM | Non QM | Yes D |
| 285625633 | XXX | XXX | XXX | XXX | 4/XX/2021 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 05/XX/2020; Lien Position: 1 |  |  | Reviewer Comment (2021/XX/04): Waived without Comp factors per buyers request<br>Buyer Comment (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan. |  |  |  | 5/XX/2021 1:06:15 PM | 3 | 5/XX/2020 | NY | Primary | Refinance - Limited Cash-out GSE | D | Safe Harbor QM | Non QM | No D |
| 285625633 | XXX | XXX | XXX | XXX | 4/XX/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  | Reviewer Comment (2021/XX/04): Waived without Comp factors per buyers request<br>Buyer Comment (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan. |  |  |  | 5/XX/2021 1:06:26 PM | 3 | 5/XX/2020 | NY | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM status B C | Safe Harbor QM | Non QM | Yes D |
| 285625632 | XXX | XXX | XXX | XXX | 4/XX/2021 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX |  |  | Reviewer Comment (2021/XX/04): Waived without Comp factors per buyers request<br>Buyer Comment (2021/XX/03): Waived - BPO ordered during diligence, no evidence of damage |  |  |  | 5/XX/2021 12:46:49 PM | 3 | 7/XX/2020 | CA | Second Home | Purchase | C | Safe Harbor QM | Non QM | No D |
| 285625632 | XXX | XXX | XXX | XXX | 4/XX/2021 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note Date: 07/XX/2020; Lien Position: 1 |  |  | Reviewer Comment (2021/XX/04): Waived without Comp factors per buyers request<br>Buyer Comment (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan. |  |  |  | 5/XX/2021 12:46:58 PM | 3 | 7/XX/2020 | CA | Second Home | Purchase | D | Safe Harbor QM | Non QM | No D |
| 285625632 | XXX | XXX | XXX | XXX | 4/XX/2021 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 07/XX/2020; Lien Position: 1 |  |  | Reviewer Comment (2021/XX/04): Waived without Comp factors per buyers request<br>Buyer Comment (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan. |  |  |  | 5/XX/2021 12:47:09 PM | 3 | 7/XX/2020 | CA | Second Home | Purchase | D | Safe Harbor QM | Non QM | No D |
| 285625632 | XXX | XXX | XXX | XXX | 4/XX/2021 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2021/XX/04): Waived without Comp factors per buyers request<br>Buyer Comment (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan. |  |  |  | 5/XX/2021 12:47:17 PM | 3 | 7/XX/2020 | CA | Second Home | Purchase | C | Safe Harbor QM | Non QM | No D |
| 285625632 | XXX | XXX | XXX | XXX | 4/XX/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) | Valid change of circumstance was not provided |  | Reviewer Comment (2021/XX/04): Waived without Comp factors per buyers request<br>Buyer Comment (2021/XX/03): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. |  |  |  | 5/XX/2021 12:47:31 PM | 2 | 7/XX/2020 | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM | Non QM | Yes D |
| 285625632 | XXX | XXX | XXX | XXX | 4/XX/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 07/XX/2020 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 07/XX/2020). (Final/07/XX/2020) | Fee is an estimate |  | Reviewer Comment (2021/XX/04): Lump sum seller credit applied<br>Reviewer Comment (2021/XX/04): Do you want this waived as well? Your comment was "origination info"<br>Seller Comment (2021/XX/03): Origination info | 5/XX/2021 7:31:21 PM |  |  |  | 1 | 7/XX/2020 | CA | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Safe Harbor QM | Non QM | Yes D |
| 285625632 | XXX | XXX | XXX | XXX | 4/XX/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/XX/2020 incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/07/XX/2020) | Fee is an estimate |  | Reviewer Comment (2021/XX/04): Home owners is not escrowed only Flood Insurance.<br>Seller Comment (2021/XX/03): Origination info | 5/XX/2021 7:37:43 PM |  |  |  | 1 | 7/XX/2020 | CA | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Safe Harbor QM | Non QM | Yes D |
| 285625632 | XXX | XXX | XXX | XXX | 4/XX/2021 | Credit | Missing Document | General | Missing Document | Missing Document: Stated not provided |  | Property Inspection Waiver not provided |  | Reviewer Comment (2021/XX/04): Waived without Comp factors per buyers request<br>Buyer Comment (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan. |  |  |  | 5/XX/2021 12:49:59 PM | 3 | 7/XX/2020 | CA | Second Home | Purchase | C | Safe Harbor QM | Non QM | No D |
| 285625632 | XXX | XXX | XXX | XXX | 4/XX/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | DTI Exceeds 43% |  | Reviewer Comment (2021/XX/04): Waived without Comp factors per buyers request<br>Buyer Comment (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan. |  |  |  | 5/XX/2021 12:50:07 PM | 3 | 7/XX/2020 | CA | Second Home | Purchase | Lender to provide updated ATR/QM status B C | Safe Harbor QM | Non QM | Yes D |
| 285625632 | XXX | XXX | XXX | XXX | 4/XX/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | DTI Exceeds 43% |  | Reviewer Comment (2021/XX/04): Waived without Comp factors per buyers request<br>Buyer Comment (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan. |  |  |  | 5/XX/2021 12:50:19 PM | 3 | 7/XX/2020 | CA | Second Home | Purchase | C | Safe Harbor QM | Non QM | No D |
| 285625632 | XXX | XXX | XXX | XXX | 4/XX/2021 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: PITIA months reserves discrepancy. | Calculated PITIA months reserves of XXX is less than AUS PITIA months reserves of XXX. |  |  | Reviewer Comment (2021/XX/04): Waived without Comp factors per buyers request<br>Buyer Comment (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan. |  |  |  | 5/XX/2021 12:50:36 PM | 3 | 7/XX/2020 | CA | Second Home | Purchase | C | Safe Harbor QM | Non QM | No D |
| 285625634 | XXX | XXX | XXX | XXX | 4/XX/2021 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 01/XX/2021; Lien Position: 1 |  |  | Reviewer Comment (2021/XX/04): Waived without Comp factors per buyers request<br>Buyer Comment (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan. |  |  |  | 5/XX/2021 1:04:54 PM | 3 | 1/XX/2021 | OK | Primary | Purchase | D | Safe Harbor QM | Temporary SHQM (GSE/Agency Eligible) | No D |
| 285625634 | XXX | XXX | XXX | XXX | 4/XX/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) | Transfer Tax Fee disclosed as $XXX on LE dated 12/XX/2020, but disclosed as $XXX (Inclusive of $XXX Seller Paid Documentary Stamps reflected on the Seller CD) on Final Closing Disclosure. |  | Reviewer Comment (2021/XX/04): Waived without Comp factors per buyers request<br>Buyer Comment (2021/XX/03): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. |  |  |  | 5/XX/2021 1:05:04 PM | 2 | 1/XX/2021 | OK | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM | Temporary SHQM (GSE/Agency Eligible) | Yes D |
| 285625634 | XXX | XXX | XXX | XXX | 4/XX/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible). | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM |  | Reviewer Comment (2021/XX/04): Waived without Comp factors per buyers request<br>Buyer Comment (2021/XX/03): Waived - Issue doesn't impact XXX's ability to purchase this loan. |  |  |  | 5/XX/2021 1:05:15 PM | 3 | 1/XX/2021 | OK | Primary | Purchase | Lender to provide updated ATR/QM status B C | Safe Harbor QM | Temporary SHQM (GSE/Agency Eligible) | Yes D |
| 285625630 | XXX | XXX | XXX | XXX | 2/XX/2023 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  | Reviewer Comment (2023/XX/07): A BPO was not located in the loan file.<br>Buyer Comment (2023/XX/01): Comment from XXX (XXX): Acknowledged - XXX obtained BPO, there is no evidence of property damage. |  |  |  |  | 3 | 9/XX/2022 | FL | Primary | Refinance - Cash-out - Other | C | Non QM | Non QM | No C |
| 285625630 | XXX | XXX | XXX | XXX | 2/XX/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2022) | Verification the appraisal was delivered to borrower was not provided. |  | Reviewer Comment (2023/XX/07): Customer acknowledges exception.<br>Buyer Comment (2023/XX/02): Comment from XXX (XXX): Acknowledged - Grade 1, non-issue for XXX. Going forward the exception will be suppressed from mTrade/Clean Room. |  |  |  |  | 1 | 9/XX/2022 | FL | Primary | Refinance - Cash-out - Other | B | Non QM | Non QM | No C |
| 285625631 | XXX | XXX | XXX | XXX | 4/XX/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure and no Valid Change of Circumstances was provided to the borrower. |  | Reviewer Comment (2023/XX/05): XXX Received CD dated 09/XX/2022 and valid COC dated 09/XX/2022 is already available in the file.<br>Seller Comment (2023/XX/04): Comment from XXX (XXX): CD<br>Reviewer Comment (2023/XX/04): XXX received a copy of Changed Circumstance dated 09/XX/2022. The Loan Discount Points increased on CD issued on 10/XX/2022 with no corresponding COC. In order to re-baseline fees, a revised CD needed to be issued within 3 business days of the change occurring. Please provide a CD issued within 3 days from the change date of 09/XX or provide a valid COC within 3 days prior to 10/XX/2022. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2023/XX/03): Comment from XXX (XXX): COC<br>Reviewer Comment (2023/XX/03): XXX received Changed Circumstance dated 06/XX/2022, 07/XX/2022, 08/XX/2022 and 09/XX/2022. The Loan Discount Points increased on CD issued on 10/XX/2022. In order to re-baseline fees, a revised CD needed to be issued within 3 business days of the change occurring. Provide a corrected CD, copy of the refund check, Proof of mailing, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br>Seller Comment (2023/XX/02): Comment from XXX (XXX): Disclosure Tracking<br>Reviewer Comment (2023/XX/02): XXX received CD dated 10/XX/2022; however, Loan Discount Points on CD dated 09/XX/2022 $XXX increased on CD 10/XX/2022 $XXX. Please provide a valid COC or cure. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2023/XX/01): Comment from XXX (XXX): Not seeing a violation? | 5/XX/2023 2:23:13 AM |  |  |  | 1 | 10/XX/2022 | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes B |
| 285625631 | XXX | XXX | XXX | XXX | 4/XX/2023 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 04/XX/2022, Most Recent Tax Return End Date 12/XX/2020, Tax Return Due Date 03/XX/2022. (XXX XXX/S-Corp) | The file is missing with 2021 personal and business tax returns. Evidence of extension provided in file for 2021. The file contained a copy of the 2020, 1040's and business returns. |  |  |  |  |  |  | 1 | 10/XX/2022 | VA | Primary | Purchase | B | Non QM | Non QM | No B |
| 285625631 | XXX | XXX | XXX | XXX | 4/XX/2023 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing the correct Final CD dated 10/XX/2022 . |  | Reviewer Comment (2023/XX/03): Final CD issued and signed signed 10/XX/2022 was provided as well as CD issued and signed 10/XX/2022. The latest CD is being using for fees.<br>Seller Comment (2023/XX/01): Comment from XXX (XXX): CD | 5/XX/2023 1:45:01 PM |  |  |  | 1 | 10/XX/2022 | VA | Primary | Purchase | A | Non QM | Non QM | No B |
| 285625631 | XXX | XXX | XXX | XXX | 4/XX/2023 | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  |  |  |  | 2 | 10/XX/2022 | VA | Primary | Purchase | B | Non QM | Non QM | No B |
| 285625631 | XXX | XXX | XXX | XXX | 4/XX/2023 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/12/XX/2022) | The file only has one appraisal with a report date of 12/XX/2022, which is after the Note date and after the date the appraisal notice indicated a copy was provided to the borrower. Provide original copy of appraisal. |  |  |  |  |  |  | 2 | 10/XX/2022 | VA | Primary | Purchase | B | Non QM | Non QM | No B |
| 285625631 | XXX | XXX | XXX | XXX | 5/XX/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2151571) | projected payment Escrow payment was over-disclosed at closing |  | Reviewer Comment (2023/XX/02): 10/XX/22 PCCD corrected costs. | 5/XX/2023 10:42:46 AM |  |  |  | 1 | 10/XX/2022 | VA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery A | Non QM | Non QM | Yes B |
| 285625631 | XXX | XXX | XXX | XXX | 5/XX/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2151572) | projected payment Escrow payment was over-disclosed at closing |  | Reviewer Comment (2023/XX/02): 10/XX/22 PCCD corrected costs. | 5/XX/2023 10:42:40 AM |  |  |  | 1 | 10/XX/2022 | VA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery A | Non QM | Non QM | Yes B |
| 285625631 | XXX | XXX | XXX | XXX | 5/XX/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2151573) | projected payment Escrow payment was over-disclosed at closing |  | Reviewer Comment (2023/XX/02): 10/XX/22 PCCD corrected costs. | 5/XX/2023 10:42:34 AM |  |  |  | 1 | 10/XX/2022 | VA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery A | Non QM | Non QM | Yes B |
| 285625631 | XXX | XXX | XXX | XXX | 5/XX/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2151574) | projected payment Escrow payment was over-disclosed at closing |  | Reviewer Comment (2023/XX/02): 10/XX/22 PCCD corrected costs. | 5/XX/2023 10:42:28 AM |  |  |  | 1 | 10/XX/2022 | VA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery A | Non QM | Non QM | Yes B |
| 285625631 | XXX | XXX | XXX | XXX | 5/XX/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2022 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/10/XX/2022) | monthly escrow payment was underdisclosed |  | Reviewer Comment (2023/XX/02): 10/XX/22 PCCD corrected costs. | 5/XX/2023 10:42:14 AM |  |  |  | 1 | 10/XX/2022 | VA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes B |
| 285625631 | XXX | XXX | XXX | XXX | 5/XX/2023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 10/XX/2022 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | 9/XX/22 Initial CD reflects APR of 5.186% which had a change over .25% to the Final CD issued and signed at consummation on 10-XX at 5.567%. Borrower was not given the 3 business day waiting period for the change in APR over tolerance. |  | Reviewer Comment (2023/XX/05): XXX received proof of receipt.<br>Seller Comment (2023/XX/04): Comment from XXX (XXX): CD<br>Reviewer Comment (2023/XX/03): XXX received Disclosure Tracking. However, the change in APR occurred on the Final CD dated 10/XX/22 which did not allow the borrower a 3 business day waiting period prior to the closing date. Timing was not met. 9-XX CD reflects APR of 5.186% which then changed over .125% on 10-XX at 5.567%, no 3 day timing requirement met.<br>Seller Comment (2023/XX/02): Comment from XXX (XXX): Disclosure Tracking | 5/XX/2023 3:38:52 PM |  |  |  | 1 | 10/XX/2022 | VA | Primary | Purchase | TRID timing exception, no remediation available. A | Non QM | Non QM | No B |
| 285625636 | XXX | XXX | XXX | XXX | 5/XX/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| 285625636 | XXX | XXX | XXX | XXX | 5/XX/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625636 | XXX | XXX | XXX | XXX | 5/XX/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 1 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625636 | XXX | XXX | XXX | XXX | 5/XX/2025 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 1 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625636 | XXX | XXX | XXX | XXX | 5/XX/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of 07/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 1 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| 285625636 | XXX | XXX | XXX | XXX | 5/XX/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| 285625636 | XXX | XXX | XXX | XXX | 5/XX/2025 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |

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![](tm2520117d1_ex99-2img002.jpg)

**UW Compliance - REP-4657**

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| **Unique ID** | **Loan Number** | **Borrower Name** | **Borrower SSN** | **Co Borrower Name** | **Co Borrower SSN** | **Address Street** | **Address City** | **Address State** | **Address County** | **Address Zip** | **Escrow State** | **Broker** | **Lender Name** | **Note Date** | **Maturity Date** | **Loan Type** | **Mortgage Type** | **First Payment Date** | **Original Loan Amount** | **Rate Type** | **Original Interest Rate** | **Balloon Flag** | **Original Term** | **Amortization Term** | **Late Charge Percent** | **Late Charge Grace Period** | **Interest Only Period** | **First Interest Rate Change Date** | **First Payment Change Date** | **Next Interest Rate Change Date** | **Next Payment Change Date** | **Margin** | **Initial Rate Cap** | **Periodic Rate Cap** | **Life Rate Cap** | **Life Rate Floor** | **Rate Change Frequency** | **Payment Change Fequency** | **Index Type** | **Occupancy** | **Purpose** | **Appraisal Type** | **Appraisal Date** | **Appraisal Value** | **Contract Sales Price** | **Property Type** | **Lien Position** | **Senior Lien Amount** | **Junior Lien Amount** | **Original LTV** | **Original CLTV** | **Documentation Type** | **DTI** | **Total Income** | **Credit Score** | **PMI Company** | **PMI Coverage** | **MI Certificate Number** | **Prepayment Penalty Period** | **Prepayment Penalty Desc** | **Neg Am** | **Neg Am Amount** | **Teaser Rate** | **Neg Am Pmt Cap** | **Teaser Rate End Date** | **Original PI** | **First Time Homebuyer** | **Seasoned Over 3 Years** | **HARP Loan** | **HUD Exception Category** | **HUD Exception Assignee Liability** | **Alternate Loan ID** |
| 285625726 | XXX | XXX | XXX |  |  | XXX | XXX | MD | XXX | XXX | No |  | XXX | 3/XX/2009 | 4/XX/2039 | Fixed | FHA | 05/XX/2009 | XXX | Fixed | 5 | No | 360 | 360 | 4 | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 2/XX/2009 | XXX |  | Single Family Detached | 1 | 0 | 0 | 89.58 | 89.58 | Full | 0 | 0 | 632 | XXX | 100 | XXX | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625727 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | MD | XXX | XXX | No |  | XXX | 11/XX/2008 | 12/XX/2038 | Fixed | FHA | 01/XX/2009 | XXX | Fixed | 5.5 | No | 360 | 360 | 4 | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | Desk Review | 10/XX/2008 | XXX |  | Single Family Detached | 1 | 0 |  | 93.54 | 93.54 | Full | 0 | 0 | 0 | XXX | 100 | XXX | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625724 | XXX | XXX | XXX |  |  | XXX | XXX | IN | XXX | XXX | No |  | XXX | 7/XX/2001 | 8/XX/2031 | Fixed | Conventional without MI | 09/XX/2001 | XXX | Fixed | 9.71 | No | 360 | 360 | 5 | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 7/XX/2001 | XXX |  | Single Family Detached | 1 | 0 | 0 | 47.5 | 47.5 |  | 0 | 0 | 626 |  |  |  | 36 | Penalty within first 36 months at 2% of the amount prepaid | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625725 | XXX | XXX | XXX |  |  | XXX | XXX | AL | XXX | XXX | No |  | XXX | 1/XX/2007 | 2/XX/2037 | Fixed | Conventional without MI | 03/XX/2007 | XXX | Fixed | 7.5 | No | 360 | 360 | 5 | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 1/XX/2007 | XXX |  | Single Family Detached | 1 | 0 | 0 | 90 | 90 | Full | 0 | 0 | 590 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625649 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | VA | XXX | XXX | No |  | XXX | 7/XX/2009 | 8/XX/2039 | Fixed | Conventional without MI | 09/XX/2009 | XXX | Fixed | 10.631 | No | 360 | 360 | 5 | 7 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | Missing |  | XXX |  |  | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 |  |  |  | 36 | During the first three (3) years from the date of the loan. Lender may charge<br> Borrower a prepayment penalty equal to a percentage of the amount prepaid as follows: for prepayment in full within one year of die date of the loan,<br> 2%; within two years, 2%; and within three years, 1 %. | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625650 | XXX | XXX | XXX |  |  | XXX | XXX | GA | XXX | XXX | No |  | XXX | 1/XX/2007 | 1/XX/2027 | Fixed | Conventional without MI | 02/XX/2007 | XXX | Fixed | 10.31 | No | 240 | 240 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Rate/Term | Internal Lender Value | 11/XX/2006 | XXX |  | Single Family Detached | 1 | 0 |  | 103.82 | 103.82 |  | 0 | 0 | 629 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625657 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | FL | XXX | XXX | No |  | XXX | 12/XX/2009 | 1/XX/2030 | Fixed | Conventional without MI | 02/XX/2010 | XXX | Fixed | 11.724 | No | 240 | 240 | 5 | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004C | 12/XX/2009 | XXX |  | Manufactured Housing | 1 | 0 | 0 | 73.32 | 73.32 | Full | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625660 | XXX | XXX | XXX |  |  | XXX | XXX | GA | XXX | XXX | No |  | XXX | 1/XX/2007 | 1/XX/2032 | Fixed | Conventional without MI | 02/XX/2007 | XXX | Fixed | 9.242 | No | 300 | 300 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Rate/Term | Stated Value Only | 12/XX/2006 | XXX |  |  | 1 | 0 |  | 85.28 | 85.28 | Full | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625664 | XXX | XXX | XXX |  |  | XXX | XXX | SC | XXX | XXX | No |  | XXX | 4/XX/2009 | 4/XX/2039 | Fixed | Conventional without MI | 05/XX/2009 | XXX | Fixed | 11.36 | No | 360 | 360 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 3/XX/2009 | XXX |  | Single Family Detached | 1 | 0 |  | 49.69 | 49.69 |  | 0 | 0 | 542 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625667 | XXX | XXX | XXX |  |  | XXX | XXX | FL | XXX | XXX | No |  | XXX | 5/XX/2007 | 5/XX/2027 | Fixed | Conventional without MI | 06/XX/2007 | XXX | Fixed | 11.78 | No | 240 | 240 | 5 | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 4/XX/2007 | XXX |  | Single Family Detached | 1 | 0 | 0 | 76.08 | 76.08 |  | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625668 | XXX | XXX | XXX |  |  | XXX | XXX | SC | XXX | XXX | No | XXX | XXX | 5/XX/2008 | 5/XX/2028 | Fixed | Conventional without MI | 06/XX/2008 | XXX | Fixed | 11.66 | No | 240 | 240 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 5/XX/2008 | XXX |  | Single Family Detached | 1 | 0 |  | 68.51 | 68.51 | Full | 0 | 0 | 0 |  |  |  |  |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625673 | XXX | XXX | XXX |  |  | XXX | XXX | OH | XXX | XXX | No |  | XXX | 7/XX/2007 | 9/XX/2022 | Fixed | Conventional without MI | 09/XX/2007 | XXX | Fixed | 12.27 | No | 181 | 181 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 7/XX/2007 | XXX |  | Single Family Detached | 1 | 0 |  | 83.26 | 83.26 | Full | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625675 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | SC | XXX | XXX | No |  | XXX | 5/XX/2005 | 5/XX/2025 | Fixed | Conventional without MI | 06/XX/2005 | XXX | Fixed | 11.53 | No | 240 | 240 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 4/XX/2005 | XXX |  | Single Family Detached | 1 | 0 | 0 | 67.26 | 67.26 |  | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625678 | XXX | XXX | XXX |  |  | XXX | XXX | NC | XXX | XXX | No |  | XXX | 9/XX/2006 | 10/XX/2036 | Fixed | Conventional without MI | 11/XX/2006 | XXX | Fixed | 9 | No | 360 | 360 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Rate/Term | Other | 9/XX/2006 | XXX |  | Single Family Detached | 1 | 0 |  | 98.64 | 98.64 |  | 0 | 0 | 621 |  |  |  | 30 | Penalty within first 30 months at 1% of the amount prepaid | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625680 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | SC | XXX | XXX | No |  | XXX | 3/XX/2007 | 3/XX/2032 | Fixed | Conventional without MI | 04/XX/2007 | XXX | Fixed | 11.09 | No | 300 | 300 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 3/XX/2007 | XXX |  | Single Family Detached | 1 | 0 |  | 103.7 | 103.7 | Full | 0 | 0 | 611 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625686 | XXX | XXX | XXX |  |  | XXX | XXX | SC | XXX | XXX | No |  | XXX | 6/XX/2006 | 7/XX/2036 | Fixed | Conventional without MI | 08/XX/2006 | XXX | Fixed | 12.22 | No | 360 | 360 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Rate/Term | 1004 | 6/XX/2006 | XXX |  | Single Family Detached | 1 | 0 |  | 91.52 | 91.52 | Full | 0 | 0 | 530 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625688 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NC | XXX | XXX | No |  | XXX | 6/XX/2004 | 7/XX/2034 | Fixed | Conventional without MI | 08/XX/2004 | XXX | Fixed | 10.874 | No | 360 | 360 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 6/XX/2004 | XXX |  | Single Family Detached | 1 | 0 |  | 87.02 | 87.02 |  | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625689 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | SC | XXX | XXX | No |  | XXX | 11/XX/2007 | 12/XX/2037 | Fixed | Conventional without MI | 01/XX/2008 | XXX | Fixed | 10.39 | No | 360 | 360 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 10/XX/2007 | XXX |  | Single Family Detached | 1 | 0 | 0 | 103.76 | 103.76 | Full | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625690 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AL | XXX | XXX | No |  | XXX | 8/XX/2007 | 9/XX/2037 | Fixed | Conventional without MI | 10/XX/2007 | XXX | Fixed | 11.85 | No | 360 | 360 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 8/XX/2007 | XXX |  | Single Family Detached | 1 | 0 |  | 86.24 | 86.24 | Full | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625691 | XXX | XXX | XXX |  |  | XXX | XXX | NC | XXX | XXX | No |  | XXX | 7/XX/2008 | 8/XX/2038 | Fixed | Conventional without MI | 09/XX/2008 | XXX | Fixed | 12.46 | No | 360 | 360 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 7/XX/2008 | XXX |  | Single Family Detached | 1 | 0 | 0 | 98.4 | 98.4 | Full | 0 | 0 | 626 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625701 | XXX | XXX | XXX |  |  | XXX | XXX | GA | XXX | XXX | No |  | XXX | 6/XX/2004 | 6/XX/2034 | Fixed | Conventional without MI | 07/XX/2004 | XXX | Fixed | 10.99 | No | 360 | 360 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Rate/Term | Stated Value Only |  | XXX |  | Single Family Detached | 1 | 0 |  | 93.53 | 93.53 |  | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625704 | XXX | XXX | XXX |  |  | XXX | XXX | NC | XXX | XXX | No |  | XXX | 12/XX/2003 | 12/XX/2023 | Fixed | Conventional without MI | 01/XX/2004 | XXX | Fixed | 8.612 | No | 240 | 240 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 12/XX/2003 | XXX |  | Single Family Detached | 1 | 0 |  | 101.83 | 101.83 | Reduced | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625705 | XXX | XXX | XXX |  |  | XXX | XXX | NC | XXX | XXX | No |  | XXX | 8/XX/2006 | 9/XX/2026 | Fixed | Conventional without MI | 10/XX/2006 | XXX | Fixed | 10.601 | No | 240 | 240 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 8/XX/2006 | XXX |  | Single Family Detached | 1 | 0 | 0 | 102.95 | 102.95 | Full | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625706 | XXX | XXX | XXX |  |  | XXX | XXX | NC | XXX | XXX | No |  | XXX | 10/XX/2011 | 10/XX/2041 | Fixed | Conventional without MI | 11/XX/2011 | XXX | Fixed | 11.61 | No | 360 | 360 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004C | 9/XX/2011 | XXX |  | Manufactured Housing | 1 | 0 |  | 86.59 | 86.59 | Full | 0 | 0 | 585 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625708 | XXX | XXX | XXX |  |  | XXX | XXX | FL | XXX | XXX | No |  | XXX | 3/XX/2007 | 3/XX/2037 | Fixed | Conventional without MI | 04/XX/2007 | XXX | Fixed | 11.94 | No | 360 | 360 | 5 | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 3/XX/2007 | XXX |  | Single Family Detached | 1 | 0 |  | 47.48 | 47.48 |  | 0 | 0 | 0 |  |  |  | 36 | Penalty within first 36 months at 1% of the amount prepaid for the first 12 months; 2% of the amount prepaid for the second 12 months and 1% of the amount prepaid for the last 12 months. | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625712 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | MD | XXX | XXX | No |  | XXX | 5/XX/2006 | 6/XX/2036 | Fixed | Conventional without MI | 07/XX/2006 | XXX | Fixed | 9.407 | No | 360 | 360 | 5 | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 5/XX/2006 | XXX |  | Single Family Detached | 1 | 0 |  | 94.14 | 94.14 | Reduced | 0 | 0 | 661 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625717 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NC | XXX | XXX | No |  | XXX | 8/XX/2008 | 9/XX/2038 | Fixed | Conventional without MI | 10/XX/2008 | XXX | Fixed | 12.24 | No | 360 | 360 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004C | 8/XX/2008 | XXX |  | Manufactured Housing | 1 | 0 |  | 72.72 | 72.72 | Full | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625720 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | TN | XXX | XXX | No |  | XXX | 2/XX/2008 | 2/XX/2038 | Fixed | Conventional without MI | 03/XX/2008 | XXX | Fixed | 10.16 | No | 360 | 360 | 5 | 5 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 2/XX/2008 | XXX |  | Single Family Detached | 1 | 0 |  | 90.81 | 90.81 |  | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625647 | XXX | XXX | XXX |  |  | XXX | XXX | VA | XXX | XXX | No |  | XXX | 7/XX/2003 | 9/XX/2018 | Fixed | Conventional without MI | 09/XX/2003 | XXX | Fixed | 9.476 | No | 181 | 181 | 5 | 7 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | Missing |  | XXX |  | Single Family Detached | 1 | 0 |  | 0 | 0 | SIVA | 0 | 0 | 0 |  |  |  | 36 | Penalty within first 36 months at 2% of the amount prepaid | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625648 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | IN | XXX | XXX | No |  | XXX | 11/XX/2006 | 1/XX/2022 | Fixed | Conventional without MI | 01/XX/2007 | XXX | Fixed | 10.45 | No | 181 | 181 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 11/XX/2006 | XXX |  | Single Family Detached | 1 | 0 |  | 93.67 | 93.67 |  | 0 | 0 | 0 |  |  |  | 36 | Penalty within first 36 months at 3% of the amount prepaid for the first 12 months; 2% of the amount prepaid for the second 12 months and 1% of the amount prepaid for the last 12 months. | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625652 | XXX | XXX | XXX |  |  | XXX | XXX | GA | XXX | XXX | No |  | XXX | 2/XX/2007 | 2/XX/2037 | Fixed | Conventional without MI | 03/XX/2007 | XXX | Fixed | 10.5 | No | 360 | 360 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 1/XX/2006 | XXX |  | Single Family Detached | 1 | 0 |  | 82.22 | 82.22 | Full | 0 | 0 | 595 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625653 | XXX | XXX | XXX |  |  | XXX | XXX | WV | XXX | XXX | No |  | XXX | 9/XX/2005 | 10/XX/2020 | Fixed | Conventional without MI | 10/XX/2005 | XXX | Fixed | 8.501 | No | 181 | 181 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 8/XX/2005 | XXX |  | Single Family Detached | 1 | 0 | 0 | 94.16 | 94.16 | Full | 0 | 0 | 681 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625654 | XXX | XXX | XXX |  |  | XXX | XXX | NC | XXX | XXX | No |  | XXX | 12/XX/2006 | 1/XX/2022 | Fixed | Conventional without MI | 01/XX/2007 | XXX | Fixed | 10.72 | No | 181 | 181 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 2/XX/2006 | XXX |  | Single Family Detached | 1 | 0 |  | 47.13 | 47.13 |  | 0 | 0 | 585 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625658 | XXX | XXX | XXX |  |  | XXX | XXX | NC | XXX | XXX | No |  | XXX | 6/XX/2006 | 7/XX/2026 | Fixed | Conventional without MI | 08/XX/2006 | XXX | Fixed | 11.84 | No | 240 | 240 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 6/XX/2006 | XXX |  | Single Family Detached | 1 | 0 |  | 87.15 | 87.15 |  | 0 | 0 | 586 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625662 | XXX | XXX | XXX |  |  | XXX | XXX | GA | XXX | XXX | No |  | XXX | 1/XX/2005 | 1/XX/2025 | Fixed | Conventional without MI | 02/XX/2005 | XXX | Fixed | 10.55 | No | 240 | 240 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 1/XX/2004 | XXX |  | Single Family Detached | 1 | 0 |  | 77.78 | 77.78 | Full | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625663 | XXX | XXX | XXX |  |  | XXX | XXX | SC | XXX | XXX | No |  | XXX | 4/XX/2006 | 5/XX/2036 | Fixed | Conventional without MI | 06/XX/2006 | XXX | Fixed | 11.85 | No | 360 | 360 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Rate/Term | 1004 | 4/XX/2006 | XXX |  | Single Family Detached | 1 | 0 |  | 100.97 | 100.97 |  | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625665 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | MI | XXX | XXX | No |  | XXX | 5/XX/2007 | 5/XX/2022 | Fixed | Conventional without MI | 06/XX/2007 | XXX | Fixed | 9.24 | No | 180 | 181 | 5 | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004C | 4/XX/2007 | XXX |  | Manufactured Housing | 1 | 0 | 0 | 62.9 | 62.9 | Full | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625666 | XXX | XXX | XXX |  |  | XXX | XXX | FL | XXX | XXX | No |  | XXX | 2/XX/2005 | 3/XX/2025 | Fixed | Conventional without MI | 04/XX/2005 | XXX | Fixed | 9.33 | No | 240 | 240 | 5 | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 1/XX/2004 | XXX |  | Single Family Detached | 1 | 0 |  | 73.74 | 73.74 |  | 0 | 0 | 0 |  |  |  | 36 | PPP within 36 months equal to 6 months interest on average principal balance the prior 6 months. | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625671 | XXX | XXX | XXX |  |  | XXX | XXX | IN | XXX | XXX | No |  | XXX | 3/XX/2007 | 4/XX/2037 | Fixed | Conventional without MI | 05/XX/2007 | XXX | Fixed | 11.93 | No | 360 | 360 | 5 | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 3/XX/2007 | XXX |  | Single Family Detached | 1 | 0 | 0 | 82.89 | 82.89 |  | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625674 | XXX | XXX | XXX |  |  | XXX | XXX | AL | XXX | XXX | No |  | XXX | 10/XX/2007 | 11/XX/2027 | Fixed | Conventional without MI | 12/XX/2007 | XXX | Fixed | 12.19 | No | 240 | 240 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 10/XX/2007 | XXX |  | Single Family Detached | 1 | 0 |  | 83.28 | 83.28 | Full | 0 | 0 | 543 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625676 | XXX | XXX | XXX |  |  | XXX | XXX | SC | XXX | XXX | No |  | XXX | 5/XX/2005 | 6/XX/2025 | Fixed | Conventional without MI | 07/XX/2005 | XXX | Fixed | 9.572 | No | 240 | 240 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 5/XX/2005 | XXX |  | Single Family Detached | 1 | 0 | 0 | 102.67 | 102.67 |  | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625681 | XXX | XXX | XXX |  |  | XXX | XXX | FL | XXX | XXX | No |  | XXX | 8/XX/2008 | 8/XX/2028 | Fixed | Conventional without MI | 09/XX/2008 | XXX | Fixed | 9.572 | No | 240 | 240 | 5 | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 7/XX/2008 | XXX |  | Manufactured Housing | 1 | 0 | 0 | 46.8 | 46.8 |  | 0 | 0 | 0 |  |  |  | 36 | Prepayment within the first 3 years on amounts prepaid, penalty equal to 3% within the first year, 2% within two years and 1% within three years | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625682 | XXX | XXX | XXX |  |  | XXX | XXX | GA | XXX | XXX | No |  | XXX | 1/XX/2007 | 1/XX/2037 | Fixed | Conventional without MI | 02/XX/2007 | XXX | Fixed | 11.12 | No | 360 | 360 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 12/XX/2006 | XXX |  | Single Family Detached | 1 | 0 |  | 84.01 | 84.01 |  | 0 | 0 | 561 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625685 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | MS | XXX | XXX | No |  | XXX | 8/XX/2007 | 9/XX/2027 | Fixed | Conventional without MI | 10/XX/2007 | XXX | Fixed | 11.13 | No | 240 | 240 | 4 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | Other | 8/XX/2007 | XXX |  | Single Family Detached | 1 | 0 | 0 | 75.41 | 75.41 | Full | 0 | 0 | 0 |  |  |  | 36 | Prepayment 36 months, penalty is 3% within 2 years, 2% within 2nd year and within 1% within 3 years | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625687 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NY | XXX | XXX | No |  | XXX | 7/XX/2005 | 8/XX/2025 | Fixed | Conventional without MI | 09/XX/2005 | XXX | Fixed | 10.31 | No | 240 | 240 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 7/XX/2005 | XXX |  | Single Family Detached | 1 | 0 |  | 100.85 | 100.85 | Full | 0 | 0 | 0 |  |  |  | 12 | Penalty within first 12 months at 5% of the amount prepaid | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625693 | XXX | XXX | XXX |  |  | XXX | XXX | NC | XXX | XXX | No |  | XXX | 5/XX/2007 | 6/XX/2022 | Fixed | Conventional without MI | 06/XX/2007 | XXX | Fixed | 11.82 | No | 181 | 181 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 4/XX/2007 | XXX |  | Single Family Detached | 1 | 0 |  | 49.98 | 49.98 |  | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625695 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | GA | XXX | XXX | No |  | XXX | 5/XX/2008 | 4/XX/2038 | Fixed | Conventional without MI | 07/XX/2008 | XXX | Fixed | 10.758 | No | 358 | 360 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 5/XX/2008 | XXX |  | Single Family Detached | 1 | 0 | 40000 | 94.43 | 171.35 | Full | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625697 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | KY | XXX | XXX | No |  | XXX | 4/XX/2008 | 5/XX/2038 | Fixed | Conventional without MI | 06/XX/2008 | XXX | Fixed | 11.85 | No | 360 | 360 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 4/XX/2008 | XXX |  | Single Family Detached | 1 | 0 |  | 91.7 | 91.7 |  | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625700 | XXX | XXX | XXX |  |  | XXX | XXX | AL | XXX | XXX | No |  | XXX | 3/XX/2003 | 4/XX/2023 | Fixed | Conventional without MI | 05/XX/2003 | XXX | Fixed | 11.292 | No | 240 | 240 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | Missing |  | XXX |  |  | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625702 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | OH | XXX | XXX | No |  | XXX | 12/XX/2005 | 1/XX/2021 | Fixed | Conventional without MI | 01/XX/2006 | XXX | Fixed | 11.21 | No | 181 | 181 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | Internal Lender Value | 12/XX/2005 | XXX |  | Single Family Detached | 1 | 0 | 0 | 99 | 99 | Reduced | 0 | 0 | 0 |  |  |  | 36 | Penalty within first 36 months at 3% of the unpaid principal balance for the first 12 months; 2% of the unpaid principal balance for the second 12 months and 1% of the unpaid principal balance for the last 12 months. | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625703 | XXX | XXX | XXX |  |  | XXX | XXX | GA | XXX | XXX | No |  | XXX | 9/XX/2005 | 10/XX/2020 | Fixed | Conventional without MI | 10/XX/2005 | XXX | Fixed | 6.529 | No | 181 | 181 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 9/XX/2005 | XXX |  | Manufactured Housing | 1 | 0 |  | 73.45 | 73.45 |  | 0 | 0 | 681 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625707 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | FL | XXX | XXX | No |  | XXX | 7/XX/2004 | 7/XX/2034 | Fixed | Conventional without MI | 08/XX/2004 | XXX | Fixed | 8.922 | No | 360 | 360 | 5 | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 6/XX/2004 | XXX |  | Single Family Detached | 1 | 0 |  | 88.46 | 88.46 | Full | 0 | 0 | 0 |  |  |  | 36 | Penalty within first 36 months equal to 6 months interest | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625710 | XXX | XXX | XXX |  |  | XXX | XXX | IN | XXX | XXX | No |  | XXX | 8/XX/2008 | 9/XX/2038 | Fixed | Conventional without MI | 10/XX/2008 | XXX | Fixed | 12.28 | No | 360 | 360 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 8/XX/2008 | XXX |  | Single Family Detached | 1 | 0 |  | 100.75 | 100.75 | Full | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625714 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NC | XXX | XXX | No |  | XXX | 2/XX/2008 | 3/XX/2038 | Fixed | Conventional without MI | 05/XX/2008 | XXX | Fixed | 11.1 | No | 359 | 359 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 1/XX/2008 | XXX |  | Single Family Detached | 1 | 0 | 0 | 73.75 | 73.75 | Full | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625715 | XXX | XXX | XXX |  |  | XXX | XXX | OH | XXX | XXX | No |  | XXX | 12/XX/2008 | 1/XX/2034 | Fixed | Conventional without MI | 02/XX/2009 | XXX | Fixed | 11.98 | No | 300 | 300 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | Exterior Drive-by (2055, 1075, 466, 2095) | 4/XX/2008 | XXX |  | Single Family Detached | 1 | 0 |  | 54.1 | 54.1 |  | 0 | 0 | 639 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625718 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NC | XXX | XXX | No |  | XXX | 3/XX/2004 | 3/XX/2029 | Fixed | Conventional without MI | 04/XX/2004 | XXX | Fixed | 8.868 | No | 300 | 300 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 1/XX/2003 | XXX |  | Single Family Detached | 1 | 0 |  | 96.45 | 96.45 | Full | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625721 | XXX | XXX | XXX |  |  | XXX | XXX | VA | XXX | XXX | No |  | XXX | 4/XX/2007 | 4/XX/2037 | Fixed | Conventional without MI | 05/XX/2007 | XXX | Fixed | 12.091 | No | 360 | 360 | 5 | 7 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 3/XX/2007 | XXX |  | Single Family Detached | 1 | 0 |  | 82.13 | 82.13 |  | 0 | 0 | 512 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625655 | XXX | XXX | XXX |  |  | XXX | XXX | IL | XXX | XXX | No |  | XXX | 3/XX/2006 | 4/XX/2036 | Fixed | Conventional without MI | 05/XX/2006 | XXX | Fixed | 10.48 | No | 360 | 360 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Cash-out - Other | 1004 | 6/XX/2005 | XXX |  | Single Family Detached | 1 | 0 | 0 | 90.57 | 90.57 |  | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |
| 285625709 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AL | XXX | XXX | No |  | XXX | 7/XX/2008 | 7/XX/2038 | Fixed | Conventional without MI | 08/XX/2008 | XXX | Fixed | 11.36 | No | 360 | 360 | 5 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  | Primary | Refinance Rate/Term | 1004 | 7/XX/2008 | XXX |  | Single Family Detached | 1 | 0 |  | 90.35 | 90.35 | Full | 0 | 0 | 0 |  |  |  | 0 |  | No |  |  |  |  | XXX | No | No |  |  |  | XXX |

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![](tm2520117d1_ex99-2img002.jpg)

**Compliance - REP-4657**

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| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Customer Loan ID** | **Seller Loan ID** | **Originator Name** | **Lien Position** | **ARM or Fixed** | **Purpose at Origination** | **Occupancy at Origination** | **Origination Date** | **First Payment<br> Date** | **State** | **Zip** | **Original Balance** | **Prepayment Penalty Flag** | **Prepayment Terms** | **Compliance Event** | **Compliance Exceptions** | **Credit Exceptions** | **Seasoning > 3 Years** | **Subject to Predatory Lending** | **Section 32 Flag** | **HOEPA High Cost Loan** | **State High Cost Loan** | **Alternate Loan ID** | **Category** | **S&P Compliance Grade** |
| 285625726 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 3/XX/2009 | 5/XX/2009 | MD | XXX | $XXX | No |  | 2 | \*\*\* (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided- Missing FHA Mortgage Insurance Certificate - Rating - 2B; |  | Yes | Yes | No | No | No | XXX | FHA | RB |
| 285625727 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 11/XX/2008 | 1/XX/2009 | MD | XXX | $XXX | No |  | 2 | \*\*\* (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided- - Rating - 2B; \*\*\* (OPEN) Missing Document: Right to Cancel (RTC) not provided- - Rating - 2B; |  | Yes | Yes | No | No | No | XXX | TILA SOL Expired | RB |
| 285625724 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 7/XX/2001 | 9/XX/2001 | IN | XXX | $XXX | Yes | Penalty within first 36 months at 2% of the amount prepaid | 1 |  |  | Yes | Yes | No | No | N/A | XXX |  | RA |
| 285625725 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 1/XX/2007 | 3/XX/2007 | AL | XXX | $XXX | No |  | 1 |  |  | Yes | Yes | No | No | N/A | XXX |  | RA |
| 285625649 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 7/XX/2009 | 9/XX/2009 | VA | XXX | $XXX | Yes | During the first three (3) years from the date of the loan. Lender may charge<br> Borrower a prepayment penalty equal to a percentage of the amount prepaid as follows: for prepayment in full within one year of die date of the loan,<br> 2%; within two years, 2%; and within three years, 1 %. | 1 |  | \*\*\* (OPEN) Missing Document: Mortgage not provided- Co-Signor XXX is not listed on front page of mortgage and he did not sign the mortgage, he is responsible for the note should borrower default. - Rating - 3D; \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625650 | XXX | XXX | XXX | 1 | Fixed | Refinance Rate/Term | Primary | 1/XX/2007 | 2/XX/2007 | GA | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; \*\*\* (OPEN) Missing Document: Hazard Dec Page not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625657 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 12/XX/2009 | 2/XX/2010 | FL | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - Missing final and initial 1003 from origination. - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625660 | XXX | XXX | XXX | 1 | Fixed | Refinance Rate/Term | Primary | 1/XX/2007 | 2/XX/2007 | GA | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; \*\*\* (OPEN) Missing Document: Hazard Dec Page not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625664 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 4/XX/2009 | 5/XX/2009 | SC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: Modification Approval / Workout Agreement not provided- Tape indicates modification executed 07/XX/2014, none present in loan file. - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625667 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 5/XX/2007 | 6/XX/2007 | FL | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: Mortgage not provided- Missing signature page - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625668 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 5/XX/2008 | 6/XX/2008 | SC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625673 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 7/XX/2007 | 9/XX/2007 | OH | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625675 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 5/XX/2005 | 6/XX/2005 | SC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625678 | XXX | XXX | XXX | 1 | Fixed | Refinance Rate/Term | Primary | 9/XX/2006 | 11/XX/2006 | NC | XXX | $XXX | Yes | Penalty within first 30 months at 1% of the amount prepaid | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - Missing final 1003 - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- Missing flood cert - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625680 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 3/XX/2007 | 4/XX/2007 | SC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: Modification Approval / Workout Agreement not provided- Missing interest rate and maturity date, no worksheet in file - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625686 | XXX | XXX | XXX | 1 | Fixed | Refinance Rate/Term | Primary | 6/XX/2006 | 8/XX/2006 | SC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625688 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 6/XX/2004 | 8/XX/2004 | NC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625689 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 11/XX/2007 | 1/XX/2008 | SC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625690 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 8/XX/2007 | 10/XX/2007 | AL | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - Origination application missing from file. - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | N/A | XXX |  | RA |
| 285625691 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 7/XX/2008 | 9/XX/2008 | NC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625701 | XXX | XXX | XXX | 1 | Fixed | Refinance Rate/Term | Primary | 6/XX/2004 | 7/XX/2004 | GA | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625704 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 12/XX/2003 | 1/XX/2004 | NC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; \*\*\* (OPEN) Missing Document: Hazard Dec Page not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625705 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 8/XX/2006 | 10/XX/2006 | NC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625706 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 10/XX/2011 | 11/XX/2011 | NC | XXX | $XXX | No |  | 2 | \*\*\* (OPEN) Federal HPML Compliant- - Rating - 2; \*\*\* (OPEN) RESPA 2010 GFE Status- Missing Change of Circumstance document to account for increase in Interest Rate from 9/XX/2011 to 10/XX/2011. - Rating - 2B; |  | Yes | Yes | No | No | No | XXX | RESPA | RB |
| 285625708 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 3/XX/2007 | 4/XX/2007 | FL | XXX | $XXX | Yes | Penalty within first 36 months at 1% of the amount prepaid for the first 12 months; 2% of the amount prepaid for the second 12 months and 1% of the amount prepaid for the last 12 months. | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625712 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 5/XX/2006 | 7/XX/2006 | MD | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625717 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 8/XX/2008 | 10/XX/2008 | NC | XXX | $XXX | No |  | 1 |  |  | Yes | Yes | No | No | No | XXX |  | RA |
| 285625720 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 2/XX/2008 | 3/XX/2008 | TN | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: Modification Approval / Workout Agreement not provided- Missing co-borrower's signature - Rating - 3D; \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625647 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 7/XX/2003 | 9/XX/2003 | VA | XXX | $XXX | Yes | Penalty within first 36 months at 2% of the amount prepaid | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; \*\*\* (OPEN) Missing Document: Hazard Dec Page not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625648 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 11/XX/2006 | 1/XX/2007 | IN | XXX | $XXX | Yes | Penalty within first 36 months at 3% of the amount prepaid for the first 12 months; 2% of the amount prepaid for the second 12 months and 1% of the amount prepaid for the last 12 months. | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625652 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 2/XX/2007 | 3/XX/2007 | GA | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625653 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 9/XX/2005 | 10/XX/2005 | WV | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: Modification Approval / Workout Agreement not provided- Missing page 1 of 3 of the modification. - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625654 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 12/XX/2006 | 1/XX/2007 | NC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625658 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 6/XX/2006 | 8/XX/2006 | NC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625662 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 1/XX/2005 | 2/XX/2005 | GA | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625663 | XXX | XXX | XXX | 1 | Fixed | Refinance Rate/Term | Primary | 4/XX/2006 | 6/XX/2006 | SC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625665 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 5/XX/2007 | 6/XX/2007 | MI | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625666 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 2/XX/2005 | 4/XX/2005 | FL | XXX | $XXX | Yes | PPP within 36 months equal to 6 months interest on average principal balance the prior 6 months. | 1 |  | \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625671 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 3/XX/2007 | 5/XX/2007 | IN | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625674 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 10/XX/2007 | 12/XX/2007 | AL | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | N/A | XXX |  | RA |
| 285625676 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 5/XX/2005 | 7/XX/2005 | SC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: Modification Approval / Workout Agreement not provided- Tape indicates loan has been modified on 07/XX/2008 but no Modification Agreement located in the file - Rating - 3D; \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; \*\*\* (OPEN) Missing Document: Hazard Dec Page not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625681 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 8/XX/2008 | 9/XX/2008 | FL | XXX | $XXX | Yes | Prepayment within the first 3 years on amounts prepaid, penalty equal to 3% within the first year, 2% within two years and 1% within three years | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625682 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 1/XX/2007 | 2/XX/2007 | GA | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625685 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 8/XX/2007 | 10/XX/2007 | MS | XXX | $XXX | Yes | Prepayment 36 months, penalty is 3% within 2 years, 2% within 2nd year and within 1% within 3 years | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | N/A | XXX |  | RA |
| 285625687 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 7/XX/2005 | 9/XX/2005 | NY | XXX | $XXX | Yes | Penalty within first 12 months at 5% of the amount prepaid | 1 |  | \*\*\* (OPEN) Missing Document: Modification Approval / Workout Agreement not provided- Tape indicates loan has been modified on 05/XX/2008 but no Modification Agreement located in the file - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625693 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 5/XX/2007 | 6/XX/2007 | NC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625695 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 5/XX/2008 | 7/XX/2008 | GA | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625697 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 4/XX/2008 | 6/XX/2008 | KY | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: Modification Approval / Workout Agreement not provided- Modification is not signed by both borrowers - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625700 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 3/XX/2003 | 5/XX/2003 | AL | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; \*\*\* (OPEN) Missing Document: Hazard Dec Page not provided- - Rating - 3D; | Yes | Yes | No | No | N/A | XXX |  | RA |
| 285625702 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 12/XX/2005 | 1/XX/2006 | OH | XXX | $XXX | Yes | Penalty within first 36 months at 3% of the unpaid principal balance for the first 12 months; 2% of the unpaid principal balance for the second 12 months and 1% of the unpaid principal balance for the last 12 months. | 3 | \*\*\* (OPEN) Ohio Prepayment Penalty- Ohio limits prepayment penalties to 1%. Subject is a 3, 2, 1 in years 1, 2, 3. Prepayment period has expired. - Rating - 3C; | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - Missing application from origination - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX | State Prepayment | RC |
| 285625703 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 9/XX/2005 | 10/XX/2005 | GA | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625707 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 7/XX/2004 | 8/XX/2004 | FL | XXX | $XXX | Yes | Penalty within first 36 months equal to 6 months interest | 1 |  | \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625710 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 8/XX/2008 | 10/XX/2008 | IN | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: Modification Approval / Workout Agreement not provided- Modification not signed by all vested parties - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625714 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 2/XX/2008 | 5/XX/2008 | NC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625715 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 12/XX/2008 | 2/XX/2009 | OH | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625718 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 3/XX/2004 | 4/XX/2004 | NC | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625721 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 4/XX/2007 | 5/XX/2007 | VA | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625655 | XXX | XXX | XXX | 1 | Fixed | Refinance Cash-out - Other | Primary | 3/XX/2006 | 5/XX/2006 | IL | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: 1003 Final not provided<br> - - Rating - 3D; \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | No | XXX |  | RA |
| 285625709 | XXX | XXX | XXX | 1 | Fixed | Refinance Rate/Term | Primary | 7/XX/2008 | 8/XX/2008 | AL | XXX | $XXX | No |  | 1 |  | \*\*\* (OPEN) Missing Document: Flood Certificate not provided- - Rating - 3D; | Yes | Yes | No | No | N/A | XXX |  | RA |

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![](tm2520117d1_ex99-2img002.jpg)

**Exception Standard Report - REP-4657**

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| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Purpose** | **Occupancy** | **Note Date** | **State** | **Original Loan Amount** | **Exception Date** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Comments** |
| 285625726 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 3/XX/2009 | MD | $XXX | 6/XX/2015 | Missing Document | General | Compliance | Open |  | 2 | Missing Document: FHA Mortgage Insurance Certificate not provided | Missing FHA Mortgage Insurance Certificate |  |  |  |
| 285625727 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 11/XX/2008 | MD | $XXX | 6/XX/2015 | Missing Document | General | Compliance | Open |  | 3 | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |
| 285625727 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 11/XX/2008 | MD | $XXX | 6/XX/2015 | Missing Document | General | Compliance | Open |  | 3 | Missing Document: Right to Cancel (RTC) not provided |  |  |  |  |
| 285625649 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 7/XX/2009 | VA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Mortgage not provided | Co-Signor XXX is not listed on front page of mortgage and he did not sign the mortgage, he is responsible for the note should borrower default. |  |  |  |
| 285625649 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 7/XX/2009 | VA | $XXX | 12/XX/2014 | Missing Document | General | Property | Open |  | 3 | Missing Document: Appraisal not provided | Appraisal missing, unable to calculate LTV/CLTV |  |  |  |
| 285625649 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 7/XX/2009 | VA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625649 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 7/XX/2009 | VA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625650 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 1/XX/2007 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625650 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 1/XX/2007 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625650 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 1/XX/2007 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Hazard Dec Page not provided |  |  |  |  |
| 285625657 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 12/XX/2009 | FL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided | Missing final and initial 1003 from origination. |  |  |  |
| 285625657 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 12/XX/2009 | FL | $XXX | 12/XX/2014 | Compliance | Federal | Compliance | Cleared | 12/XX/2014 2:41:00 PM | 1 | Federal HPML PreDF Prepayment Penalty | Lender documented borrower income with 1 paystub for co-borrower. No approval or DTI calculation found in file to confirm lender assessed borrower ATR.<br> 12/XX/2014 - Lender provided screen print from system with ATP calculation at time of origination. ATP ratio of 46.81%. Condition cleared. |  |  |  |
| 285625660 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 1/XX/2007 | GA | $XXX | 12/XX/2014 | Missing Document | General | Property | Open |  | 3 | Missing Document: Appraisal not provided | No Appraisal or Property Inspection located in file. Input value as reflected per Application. |  |  |  |
| 285625660 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 1/XX/2007 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625660 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 1/XX/2007 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625660 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 1/XX/2007 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Hazard Dec Page not provided |  |  |  |  |
| 285625664 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 4/XX/2009 | SC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Modification Approval / Workout Agreement not provided | Tape indicates modification executed 07/XX/2014, none present in loan file. |  |  |  |
| 285625667 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2007 | FL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Mortgage not provided | Missing signature page |  |  |  |
| 285625667 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2007 | FL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625668 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2008 | SC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625673 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 7/XX/2007 | OH | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625673 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 7/XX/2007 | OH | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625675 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2005 | SC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625675 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2005 | SC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625678 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 9/XX/2006 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided | Missing final 1003 |  |  |  |
| 285625678 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 9/XX/2006 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided | Missing flood cert |  |  |  |
| 285625680 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 3/XX/2007 | SC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Modification Approval / Workout Agreement not provided | Missing interest rate and maturity date, no worksheet in file |  |  |  |
| 285625680 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 3/XX/2007 | SC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625686 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 6/XX/2006 | SC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625686 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 6/XX/2006 | SC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625688 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 6/XX/2004 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625688 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 6/XX/2004 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625689 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 11/XX/2007 | SC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625690 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 8/XX/2007 | AL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided | Origination application missing from file. |  |  |  |
| 285625690 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 8/XX/2007 | AL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625691 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 7/XX/2008 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625691 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 7/XX/2008 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625701 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 6/XX/2004 | GA | $XXX | 12/XX/2014 | Missing Document | General | Property | Open |  | 3 | Missing Document: Appraisal not provided |  |  |  |  |
| 285625701 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 6/XX/2004 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625701 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 6/XX/2004 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625704 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 12/XX/2003 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625704 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 12/XX/2003 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625704 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 12/XX/2003 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Hazard Dec Page not provided |  |  |  |  |
| 285625705 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 8/XX/2006 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625705 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 8/XX/2006 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625702 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 12/XX/2005 | OH | $XXX | 12/XX/2014 | Compliance | State | Compliance | Open |  | 3 | Ohio Prepayment Penalty | Ohio limits prepayment penalties to 1%. Subject is a 3, 2, 1 in years 1, 2, 3. Prepayment period has expired. |  |  |  |
| 285625706 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 10/XX/2011 | NC | $XXX | 12/XX/2014 | Compliance | Federal | Compliance | Cleared | 12/XX/2014 3:27:00 PM | 1 | Federal HPML PreDF Prepayment Penalty | Lender documented borrower income with 1 paystub. No approval or DTI calculation found in file to confirm lender assessed borrower ATR.<br> 12/XX/2014 - Lender provided screen print from system with ATP calculation at time of origination. ATP ratio of 53.63%. Condition cleared. |  |  |  |
| 285625706 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 10/XX/2011 | NC | $XXX | 12/XX/2014 | Compliance | Federal | Compliance | Open |  | 2 | Federal HPML Compliant |  |  |  |  |
| 285625708 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 3/XX/2007 | FL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625708 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 3/XX/2007 | FL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625712 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2006 | MD | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625720 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 2/XX/2008 | TN | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Modification Approval / Workout Agreement not provided | Missing co-borrower's signature |  |  |  |
| 285625720 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 2/XX/2008 | TN | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625720 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 2/XX/2008 | TN | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625647 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 7/XX/2003 | VA | $XXX | 12/XX/2014 | Missing Document | General | Property | Open |  | 3 | Missing Document: Appraisal not provided |  |  |  |  |
| 285625647 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 7/XX/2003 | VA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625647 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 7/XX/2003 | VA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625647 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 7/XX/2003 | VA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Hazard Dec Page not provided |  |  |  |  |
| 285625648 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 11/XX/2006 | IN | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625648 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 11/XX/2006 | IN | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625652 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 2/XX/2007 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625652 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 2/XX/2007 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625653 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 9/XX/2005 | WV | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Modification Approval / Workout Agreement not provided | Missing page 1 of 3 of the modification. |  |  |  |
| 285625653 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 9/XX/2005 | WV | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625654 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 12/XX/2006 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625654 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 12/XX/2006 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625658 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 6/XX/2006 | NC | $XXX | 11/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625658 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 6/XX/2006 | NC | $XXX | 11/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625662 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 1/XX/2005 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625662 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 1/XX/2005 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625663 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 4/XX/2006 | SC | $XXX | 11/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625663 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 4/XX/2006 | SC | $XXX | 11/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625665 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2007 | MI | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625665 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2007 | MI | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625666 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 2/XX/2005 | FL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625671 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 3/XX/2007 | IN | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625671 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 3/XX/2007 | IN | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625674 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 10/XX/2007 | AL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625674 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 10/XX/2007 | AL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625676 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2005 | SC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Modification Approval / Workout Agreement not provided | Tape indicates loan has been modified on 07/XX/2008 but no Modification Agreement located in the file |  |  |  |
| 285625676 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2005 | SC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625676 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2005 | SC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625676 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2005 | SC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Hazard Dec Page not provided |  |  |  |  |
| 285625681 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 8/XX/2008 | FL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625682 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 1/XX/2007 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625685 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 8/XX/2007 | MS | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625685 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 8/XX/2007 | MS | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625687 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 7/XX/2005 | NY | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Modification Approval / Workout Agreement not provided | Tape indicates loan has been modified on 05/XX/2008 but no Modification Agreement located in the file |  |  |  |
| 285625687 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 7/XX/2005 | NY | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625693 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2007 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625693 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2007 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625695 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2008 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625695 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 5/XX/2008 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625697 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 4/XX/2008 | KY | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Modification Approval / Workout Agreement not provided | Modification is not signed by both borrowers |  |  |  |
| 285625697 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 4/XX/2008 | KY | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625700 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 3/XX/2003 | AL | $XXX | 12/XX/2014 | Missing Document | General | Property | Open |  | 3 | Missing Document: Appraisal not provided |  |  |  |  |
| 285625700 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 3/XX/2003 | AL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625700 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 3/XX/2003 | AL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625700 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 3/XX/2003 | AL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Hazard Dec Page not provided |  |  |  |  |
| 285625706 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 10/XX/2011 | NC | $XXX | 12/XX/2014 | Compliance | Federal | Compliance | Open |  | 2 | RESPA 2010 GFE Status | Missing Change of Circumstance document to account for increase in Interest Rate from 9/XX/2011 to 10/XX/2011. |  |  |  |
| 285625702 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 12/XX/2005 | OH | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided | Missing application from origination |  |  |  |
| 285625702 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 12/XX/2005 | OH | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625703 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 9/XX/2005 | GA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625707 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 7/XX/2004 | FL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625710 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 8/XX/2008 | IN | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Modification Approval / Workout Agreement not provided | Modification not signed by all vested parties |  |  |  |
| 285625710 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 8/XX/2008 | IN | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625714 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 2/XX/2008 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625714 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 2/XX/2008 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625715 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 12/XX/2008 | OH | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625718 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 3/XX/2004 | NC | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625721 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 4/XX/2007 | VA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625721 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 4/XX/2007 | VA | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625655 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 3/XX/2006 | IL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: 1003 Final not provided |  |  |  |  |
| 285625655 | XXX | XXX | XXX | XXX | Refinance Cash-out - Other | Primary | 3/XX/2006 | IL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |
| 285625709 | XXX | XXX | XXX | XXX | Refinance Rate/Term | Primary | 7/XX/2008 | AL | $XXX | 12/XX/2014 | Missing Document | General | Credit | Open |  | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](tm2520117d1_ex99-3img001.jpg)

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| |
|:---|
| **June 24, 2025** |
| **Due Diligence Narrative Report** |

---

![](tm2520117d1_ex99-3img002.jpg)

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 3 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 5 |
| &nbsp;&nbsp;&nbsp;Data Capture | 5 |
| **Data Compare Results** | **5** |
| **Clayton Due Diligence Results** | **6** |
| **Clayton Third Party Reports Delivered** | **6** |
| **Appendix C: Regulatory Compliance Review Scope** | **7** |

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NYMT 2025-CP1 Due Diligence Narrative Report Page \| 1 June 24, 2025

![](tm2520117d1_ex99-3img002.jpg)

&nbsp;&nbsp;**CLAYTON CONTACT INFORMATION**

Client Service Management:

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| | | |
|:---|:---|:---|
| ![](tm2520117d1_ex99-3img003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![](tm2520117d1_ex99-3img003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

&nbsp;&nbsp;**OVERVIEW**

On behalf of New York Mortgage Trust, Inc., Clayton conducted an independent third-party pre-securitization due diligence review of 15 residential loans.

On behalf of Headlands Asset Management, LLC, Clayton conducted an independent third-party pre-securitization due diligence review of 4 residential loans.

New York Mortgage Trust, Inc. subsequently purchased these loans via reliance letter and selected them for the NYMT 2025-CP1.

The loans referenced in this narrative report were reviewed on a flow loan basis from February 2016 to July 2018. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan<br> Count*** | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Reviewed<br> by Clayton*** | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Compliance Only Review** | &nbsp;&nbsp;19 | &nbsp;&nbsp;Clayton performed a Compliance Only Review based on the scope described below in the section titled "TPR Component Review Scope" |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;19 |  |

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NYMT 2025-CP1 Due Diligence Narrative Report Page \| 2 June 24, 2025

![](tm2520117d1_ex99-3img002.jpg)

&nbsp;&nbsp;LOAN GRADING

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

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

![](tm2520117d1_ex99-3img004.jpg)

&nbsp;&nbsp;TPR COMPONENT REVIEW SCOPE

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

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 19 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

---

| |
|:---|
| Notice of Right to Cancel (Right of Rescission) adherence if applicable; |
| TIL Disclosure Timing (3/7/3) and disclosure content; |
| TIL APR and Finance charge tolerances; |
| Timeliness of ARM Disclosures (if applicable); |
| Section 32 APR and Points and Fees Thresholds and prohibited practices; |
| Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements; |

---

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| |
|:---|
| Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing credit Insurance, mandatory arbitration clauses, and NegAm Counseling; |
| Prepayment Penalty restrictions; and |
| QM/ATR Review: On applicable loans;, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau any loan subject to that regulation, as further described on <u>Appendix C</u> attached hereto. |
| TRID 1.0: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau **(15 Loans)**. |
| TILA/RESPA Integrated Disclosure Scope ('Covered Loans' with an Application Date => 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto **(2 Loans)**. |

---

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

---

| |
|:---|
| GFE initial disclosure timing and content; |
| Confirmed the file contains the final HUD1 Settlement Statement; |
| GFE to HUD1 evaluation for 0% and 10% fee tolerances; |
| Homeownership Counseling Notice; |
| Affiliated Business Disclosure if applicable. |

---

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

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

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

NYMT 2025-CP1 Due Diligence Narrative Report Page \| 4 June 24, 2025

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&nbsp;&nbsp;DATA INTEGRITY

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 19 reviewed loans, by completing the following steps:

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

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

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

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

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

&nbsp;&nbsp;DATA CAPTURE

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

&nbsp;&nbsp;**data Compare Results**

Clayton provided New York Mortgage Trust, Inc. with a copy of the Loan Level Tape Compare Upload which showed the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 19 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;94.74% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;1 | &nbsp;&nbsp;94.74% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;84.21% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;78.95% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;94.74% |

---

NYMT 2025-CP1 Due Diligence Narrative Report Page \| 5 June 24, 2025

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&nbsp;&nbsp;**Clayton Due Diligence Results**

Below are the initial and final regulatory compliance component review grades for this review.

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;5 | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 |  | &nbsp;&nbsp;**8** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**B** |  | &nbsp;&nbsp;7 | &nbsp;&nbsp;4 |  | &nbsp;&nbsp;**11** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**C** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**D** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**19** |

---

&nbsp;&nbsp;**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;5. Standard Upload Report

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

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

NYMT 2025-CP1 Due Diligence Narrative Report Page \| 6 June 24, 2025

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&nbsp;&nbsp;**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

NYMT 2025-CP1 Due Diligence Narrative Report Page \| 9 June 24, 2025

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

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

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

---

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

---

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

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

---

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

---

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

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

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

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

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

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

NYMT 2025-CP1 Due Diligence Narrative Report Page \| 10 June 24, 2025

![](tm2520117d1_ex99-3img002.jpg)

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

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

---

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

---

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

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

---

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

---

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

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

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

NYMT 2025-CP1 Due Diligence Narrative Report Page \| 11 June 24, 2025

![](tm2520117d1_ex99-3img002.jpg)

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

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

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

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

NYMT 2025-CP1 Due Diligence Narrative Report Page \| 12 June 24, 2025

## Exhibit 99.4

**Exhibit 99.4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Servicing Fee - Percentage** | **Servicing Fee - Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Amortization Type** | **Lien Position** | **HELOC Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points** | **Covered/High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amount** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look-Back Days** | **Gross Margin** | **Arm Round Flag** | **ARM Round Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap (Change Up)** | **Initial Interest Rate Cap (Change Down)** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate (Change Down)** | **Subsequent Interest Rate Cap (Change Up)** | **Lifetime Maximum Rate** | **Lifetime Minimum Rate** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self-employment Flag** | **Current 'Other' Monthly Payment** | **Length of Employment: Borrower** | **Length of Employment: Co-borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO: Equifax** | **Primary Wage Earner Original FICO: Experian** | **Primary Wage Earner Original FICO: TransUnion** | **Secondary Wage Earner Original FICO: Equifax** | **Secondary Wage Earner Original FICO: Experian** | **Secondary Wage Earner Original FICO: Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co-Borrower FICO** | **Most Recent FICO Method** | **Vantage Score: Primary Borrower** | **Vantage Score: Co-borrower** | **Most Recent Vantage Score Method** | **Vantage Score Date** | **Credit Report: Longest Trade Line** | **Credit Report: Maximum Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12-month Pay History on Subject** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co-Borrower Wage Income** | **Primary Borrower Other Income** | **Co-Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506-T Indicator** | **Borrower Income Verification Level** | **Co-borrower Income Verification** | **Borrower Employment Verification** | **Co-Borrower Employment Verification** | **Borrower Asset Verification** | **Co-Borrower Asset Verification** | **Liquid / Cash Reserves** | **Monthly Debt All Borrowers** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment from borrower own funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sale Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model (AVM) Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM FSD** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI: Lender or Borrower Paid?** | **Pool Insurance Co. Name** | **Pool Insurance Stop Loss %** | **MI Certification Number** | **Updated DTI (Front-end)** | **Updated DTI (Back-end)** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre-Modification Interest (Note) Rate** | **Pre-Modification P&I Payment** | **Pre-Modification Initial Interest Rate Change Downward Cap** | **Pre-Modification Subsequent Interest Rate Cap** | **Pre-Modification Next Interest Rate Change Date** | **Pre-Modification I/O Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator (Y/N)** | **Gross Manufacturer's Invoice Price** | **LTI (Loan to Invoice) Gross** | **Net Manufacturer's Invoice Price** | **LTI (Net)** | **Manufacturer's Name** | **Model Name** | **Down Payment Source** | **Community/Related Party Lender (Y/N)** | **Defined Underwriting Criteria (Y/N)** | **Chattel Indicator** | **Clayton Initial DTI** | **Originator DTI** | **ATR/QM Status** | **Violates Qualified Mortgage Threshold?** | **Lender's QM Method** | **Non-QM Program** | **QM Guidelines** | **QM DTI** | **ATR DTI** | **Site Condo?** | **HCLTV** | **HELOC High Combined Loan Amount** | **Covered / High Cost / Home Loan Detail** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 2 Guarantor** | **Borrower 3 Guarantor** | **Borrower 4 Guarantor** | **Clayton Qualifying DTI (Back)** | **Originator Qualifying DTI** |
| 9999999 |  |  | 99 | XXXXXX | UNK | 01C20F51-6990-4643-AC4B-D69413E58CD0 | 1 | 2 | 0 | 99 |  | 1480.06 | 0 | 99 | 0 | 99 | 0 | 147142.00 | 99 |  |  |  | 20120530 | XXXXXX | XXXXXX | 0.085000 | 360 | 360 | 20161201 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 1221.79 | 8.00 |  | 4.00 | 99 | 20160824 | 729 | 725 | 698 |  |  |  | 725 |  | 3 |  |  |  |  |  |  |  |  |  |  |  | 4412.48 | 0.00 | 1376.79 | 0.00 | 4412.48 | XXXXXX | 0 |  |  |  |  |  |  | 0.00 | 2480.84 |  | 98 |  | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | XXXXXX | XXXXXX | 3 | 20160719 | 99 |  |  | 99 | 19010101 |  |  |  | 0.898960 | 0.163250 |  | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.428524 |  | QM: Rebuttable Presumption |  |  |  |  | 0.428524 | 0.428524 | 99 |  |  |  |  |  |  |  |  |  |  | 0.428526 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | 738BFD9D-96B1-4C1D-956E-9874EA8FF4B5 | 1 | 2 | 0 | 6 |  |  | 0 | 99 | 1 | 99 | 0 | 424000.00 | 99 |  |  |  | 20170303 | XXXXXX | XXXXXX | 0.072500 | 360 | 360 | 20170501 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 1 | 2547.30 | 9.00 |  |  | 99 | 20170207 | 670 | 697 | 703 |  |  |  | 697 |  | 3 |  |  |  |  |  |  |  |  |  | 106 |  | 10010.00 | 0.00 | 0.00 | 0.00 | 10010.00 | XXXXXX | 0 |  |  |  |  |  |  | 9199.74 | 4283.79 |  | 98 | 1.000000 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | XXXXXX | XXXXXX | 3 | 20170103 | 99 |  |  | 99 | 19010101 |  |  |  | 0.850000 | 0.261111 | 0.00 | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.427951 |  | QM: Safe Harbor |  |  |  |  | 0.427951 | 0.427951 | 99 |  |  |  | Self Employed |  |  |  |  |  |  | 0.427952 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | 7DC9479D-1A96-4B35-9135-710CBE9EF770 | 1 | 2 | 0 | 99 |  | 1502.66 | 0 | 99 | 0 | 99 | 0 | 287009.00 | 99 |  |  |  | 20170114 | XXXXXX | XXXXXX | 0.081250 | 360 | 360 | 20170601 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 1757.34 | 11.58 |  | 9.00 | 99 | 20170317 | 736 | 748 | 728 |  |  |  | 736 |  | 3 |  |  |  |  |  |  |  |  |  |  |  | 7810.40 | 0.00 | 2638.84 | 0.00 | 7810.40 | XXXXXX | 0 |  |  |  |  |  |  | 0.00 | 4019.58 |  | 98 |  | XXXXXX | XXXXXX | XXXXXX | 7 | 1 | XXXXXX | XXXXXX | 7 | 20170321 | 99 |  |  | 99 | 19010101 |  |  |  | 0.899997 | 0.091521 |  | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.384677 |  | QM: Rebuttable Presumption |  |  |  |  | 0.384677 | 0.384677 | 99 |  |  |  |  |  |  |  |  |  |  | 0.384677 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | C8049A1B-8423-44C5-AEE7-78F2AD581267 | 1 | 2 | 0 | 99 |  | 1120.00 | 0 | 99 | 0 | 99 | 0 | 292576.00 | 99 |  |  |  | 20130508 | XXXXXX | XXXXXX | 0.062500 | 180 | 180 | 20171101 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 1927.71 | 16.58 |  | 16.00 | 99 | 20170808 | 740 | 713 | 709 |  |  |  | 713 |  | 3 |  |  |  |  |  |  |  |  |  |  |  | 4640.18 | 0.00 | 2154.91 | 0.00 | 4640.18 | XXXXXX | 0 |  |  |  |  |  |  | 0.00 | 2602.79 |  | 98 |  | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | XXXXXX | XXXXXX | 7 | 20170815 | 99 |  |  | 99 | 19010101 |  |  |  | 0.547993 | 0.047863 |  | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.383040 |  | QM: Rebuttable Presumption |  |  |  |  | 0.383040 | 0.383040 | 99 |  |  |  |  |  |  |  |  |  |  | 0.383040 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | 0D2416F6-5A16-4E81-B6C0-30B2191E7F95 | 1 | 2 | 0 | 99 |  | 1200.00 | 0 | 99 | 0 | 99 | 0 | 290561.00 | 99 |  |  |  | 20151210 | XXXXXX | XXXXXX | 0.070000 | 360 | 360 | 20180201 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 2036.02 | 0.00 |  | 13.00 | 99 | 20171011 | 750 | 749 | 741 |  |  |  | 749 |  | 3 |  |  |  |  |  |  |  |  |  |  |  | 0.00 | 0.00 | 5489.05 | 0.00 | 0.00 | XXXXXX | 0 |  |  |  |  |  |  | 0.00 | 2302.14 |  | 98 |  | XXXXXX | XXXXXX | XXXXXX | 7 | 1 | XXXXXX | XXXXXX | 7 | 20171018 | 99 |  |  | 99 | 19010101 |  |  |  | 0.777791 | 0.094118 |  | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.419406 |  | QM: Safe Harbor |  |  |  |  | 0.419406 | 0.419406 | 99 |  |  |  |  |  |  |  |  |  |  | 0.419408 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | FB7F543B-D2E9-4ABF-AAA8-4079D36F1879 | 1 | 2 | 0 | 99 |  | 1000.00 | 0 | 99 | 0 | 99 | 0 | 455385.76 | 99 |  |  |  | 20170911 | XXXXXX | XXXXXX | 0.075000 | 360 | 360 | 20180201 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 2551.44 | 12.00 |  | 10.00 | 99 | 20171023 | 747 | 729 | 744 |  |  |  | 744 |  | 3 |  |  |  |  |  |  |  |  |  |  |  | 6413.00 | 0.00 | 0.00 | 0.00 | 6413.00 | XXXXXX | 0 |  |  |  |  |  |  | 0.00 | 2726.24 |  | 98 |  | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | XXXXXX | XXXXXX | 3 | 20170902 | 99 |  |  | 99 | 19010101 |  |  |  | 0.842782 | 0.043860 |  | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.425111 |  | QM: Rebuttable Presumption |  |  |  |  | 0.425111 | 0.425111 | 99 |  |  |  |  |  |  |  |  |  |  | 0.425113 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | 7ADC03B6-9DA6-4859-BA1C-6DD123DF9E57 | 1 | 2 | 0 | 99 |  | 1214.06 | 0 | 99 | 0 | 99 | 0 | 185911.00 | 99 |  |  |  | 20160815 | XXXXXX | XXXXXX | 0.075000 | 360 | 360 | 20180201 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 1671.81 | 14.08 |  | 0.50 | 99 | 20171031 | 693 | 702 | 699 |  |  |  | 699 |  | 3 |  |  |  |  |  |  |  |  |  |  |  | 4692.18 | 0.00 | 1407.24 | 0.00 | 4692.18 | XXXXXX | 0 |  |  |  |  |  |  | 0.00 | 2346.35 |  | 98 |  | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | XXXXXX | XXXXXX | 3 | 20171016 | 99 |  |  | 99 | 19010101 |  |  |  | 0.848644 | 0.105000 |  | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.384684 |  | QM: Rebuttable Presumption |  |  |  |  | 0.384684 | 0.384684 | 99 |  |  |  |  |  |  |  |  |  |  | 0.384686 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | E79A8376-F3AD-48B2-9757-EEB3090A60A8 | 1 | 2 | 0 | 99 |  | 932.75 | 0 | 99 | 0 | 99 | 0 | 170031.00 | 99 |  |  |  | 20170922 | XXXXXX | XXXXXX | 0.072500 | 360 | 360 | 20180401 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 1098.02 | 0.00 |  | 15.00 | 99 | 20180115 | 704 | 702 | 746 |  |  |  | 704 |  | 3 |  |  |  |  |  |  |  |  |  |  |  | 0.00 | 0.00 | 3006.05 | 0.00 | 0.00 | XXXXXX | 0 |  |  |  |  |  |  | 0.00 | 1290.73 |  | 98 |  | XXXXXX | XXXXXX | XXXXXX | 7 | 1 | XXXXXX | XXXXXX | 7 | 20180117 | 99 |  |  | 99 | 19010101 |  |  |  | 0.777573 | 0.110784 |  | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.429377 |  | QM: Rebuttable Presumption |  |  |  |  | 0.429377 | 0.429377 | 99 |  |  |  |  |  |  |  |  |  |  | 0.429381 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | CC96BD8C-9610-4ABA-95A9-3FC0F4640CCE | 1 | 2 | 0 | 99 |  | 1346.60 | 0 | 99 | 0 | 99 | 0 | 276403.00 | 99 |  |  |  | 20170512 | XXXXXX | XXXXXX | 0.085000 | 360 | 360 | 20180501 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 2 | 0 | 1723.74 | 9.00 | 3.00 | 7.00 | 99 | 20180221 | 736 | 699 | 722 | 746 | 746 | 761 | 722 | 746 | 3 |  |  |  |  |  |  |  |  |  |  |  | 3664.85 | 2253.33 | 0.00 | 582.61 | 5918.18 | XXXXXX | 0 |  |  |  |  |  |  | 0.00 | 2722.59 |  | 98 |  | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | XXXXXX | XXXXXX | 7 | 20180224 | 99 |  |  | 99 | 19010101 |  |  |  | 0.898748 | 0.097580 |  | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.418809 |  | QM: Rebuttable Presumption |  |  |  |  | 0.418809 | 0.418809 | 99 |  |  |  |  |  |  |  |  |  |  | 0.418811 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | 19742E79-028C-4855-8979-AA73391A69E4 | 1 | 2 | 0 | 99 |  | 1811.38 | 0 | 99 | 0 | 99 | 0 | 85328.29 | 99 |  |  |  | 20120427 | XXXXXX | XXXXXX | 0.078750 | 180 | 180 | 20180501 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 1080.80 | 8.75 |  | 31.00 | 99 | 20180223 | 739 | 717 | 719 |  |  |  | 719 |  | 3 |  |  |  |  |  |  |  |  |  |  |  | 6171.75 | 0.00 | 0.00 | 0.00 | 6171.75 | XXXXXX | 0 |  |  |  |  |  |  | 0.00 | 2492.26 |  | 98 |  | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | XXXXXX | XXXXXX | 7 | 20180302 | 99 |  |  | 99 | 19010101 |  |  |  | 0.841171 | 0.264628 |  | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.403817 |  | QM: Rebuttable Presumption |  |  |  |  | 0.403817 | 0.403817 | 99 |  |  |  |  |  |  |  |  |  |  | 0.403819 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | 4AF82F39-AF42-4E80-ACEF-65F8015BFBDB | 1 | 2 | 0 | 99 |  | 500.00 | 0 | 99 | 0 | 99 | 0 | 199999.00 | 99 |  |  |  | 20170201 | XXXXXX | XXXXXX | 0.080000 | 360 | 360 | 20180601 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 1358.09 | 3.00 |  | 20.00 | 99 | 20180214 | 712 | 747 | 754 |  |  |  | 747 |  | 3 |  |  |  |  |  |  |  |  |  | 101 |  | 1501.88 | 0.00 | 2804.46 | 0.00 | 1501.88 | XXXXXX | 0 |  |  |  |  |  |  | 0.00 | 1810.53 |  | 98 |  | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | XXXXXX | XXXXXX | 7 | 20180227 | 99 |  |  | 99 | 19010101 |  |  |  | 0.818178 | 0.090909 |  | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.420434 |  | QM: Rebuttable Presumption |  |  |  |  | 0.420434 | 0.420434 | 99 |  |  |  |  |  |  |  |  |  |  | 0.420436 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | 7A00E71D-9D50-4F19-BC84-98A7707F97CA | 1 | 2 | 0 | 99 |  | 1144.00 | 0 | 99 | 0 | 99 | 0 | 258937.24 | 99 |  |  |  | 20161116 | XXXXXX | XXXXXX | 0.086250 | 240 | 240 | 20180801 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 1369.30 | 15.58 |  | 5.00 | 99 | 20180405 | 709 | 690 | 694 |  |  |  | 694 |  | 3 |  |  |  |  |  |  |  |  |  |  |  | 3475.33 | 0.00 | 1086.06 | 0.00 | 3475.33 | XXXXXX | 0 |  |  |  |  |  |  | 0.00 | 1879.76 |  | 98 |  | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | XXXXXX | XXXXXX | 7 | 20180407 | 99 |  |  | 99 | 19010101 |  |  |  | 0.798715 | 0.079444 |  | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.412102 |  | QM: Rebuttable Presumption |  |  |  |  | 0.412102 | 0.412102 | 99 |  |  |  |  |  |  |  |  |  |  | 0.412105 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | 071B467E-37DE-4016-8962-E54E1C6A47D0 | 1 | 2 | 0 | 99 |  | 1156.25 | 0 | 99 | 0 | 99 | 0 | 131539.38 | 99 |  |  |  | 20150310 | XXXXXX | XXXXXX | 0.072500 | 360 | 360 | 20180801 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 1015.55 | 0.00 |  | 26.00 | 99 | 20180417 | 686 | 733 | 677 |  |  |  | 686 |  | 3 |  |  |  |  |  |  |  |  |  |  |  | 0.00 | 0.00 | 4539.55 | 0.00 | 0.00 | XXXXXX | 0 |  |  |  |  |  |  | 0.00 | 1613.09 |  | 98 |  | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | XXXXXX | XXXXXX | 7 | 20180421 | 99 |  |  | 99 | 19010101 |  |  |  | 0.680606 | 0.108696 |  | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.355341 |  | QM: Safe Harbor |  |  |  |  | 0.355341 | 0.355341 | 99 |  |  |  |  |  |  |  |  |  |  | 0.355344 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | 5C404686-795A-4087-968F-27B4C0170BB2 | 1 | 2 | 0 | 6 |  |  | 0 | 99 | 1 | 99 | 0 | 517000.00 | 99 |  |  |  | 20180529 | XXXXXX | XXXXXX | 0.072500 | 360 | 360 | 20180701 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 2 | 1 | 3851.85 | 10.08 | 1.33 |  | 99 | 20180504 | 707 | 701 | 714 | 794 | 741 | 700 | 707 | 741 | 3 |  |  |  |  |  |  |  |  |  |  |  | 16309.00 | 6666.00 | '-208.00 | 0.00 | 22975.00 | XXXXXX | 0 |  |  |  |  |  |  | 35034.70 | 6805.36 |  | 98 | 1.000000 | XXXXXX | XXXXXX | XXXXXX | 7 | 1 | XXXXXX | XXXXXX | 3 | 20180510 | 99 |  |  | 99 | 19010101 |  |  |  | 0.799329 | 0.105369 | 0.00 | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.298913 |  | Non-QM: Lender documented all ATR UW factors |  |  |  |  | 0.298913 | 0.298913 | 99 |  |  |  | Self Employed |  |  |  |  |  |  | 0.298913 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | 4254CB67-0461-487B-9121-3D629F85E06E | 1 | 1 | 0 | 99 |  | 1180.00 | 0 | 99 | 0 | 99 | 0 |  |  |  |  |  |  | XXXXXX | XXXXXX | 0.073750 | 360 | 360 | 20061001 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 99 |  |  |  |  | 99 | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |  | 0.00 | 0.00 | XXXXXX | 0 |  |  |  |  |  |  | 0.00 | 815.00 |  | 99 | 0.000000 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | XXXXXX | XXXXXX | 99 | 19010101 | 99 |  |  | 99 | 19010101 |  |  |  | 0.959350 | 0.959350 |  | 99 |  |  | 99 |  | XXXXXX |  |  | 20100701 | 0.00 | 0.00 |  |  |  |  | 19010101 |  | 0.00 | 0.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000000 |  | ATR/QM: Not Applicable |  |  |  |  | 0.000000 | 0.000000 | 99 |  |  |  |  |  |  |  |  |  |  | 0.000000 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | 233CC174-D61B-4A33-8F87-F77555C39F72 | 1 | 1 | 0 | 99 |  |  | 0 | 99 | 0 | 99 | 0 |  |  |  |  |  |  | XXXXXX | XXXXXX | 0.084900 | 360 | 360 | 20070901 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 47 | 1 | 36 |  |  |  | 2 | 99 |  |  |  | 0.00 | 99 | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |  | 0.00 | 0.00 | XXXXXX | 0 |  |  |  |  |  |  | 0.00 | 614.56 |  | 99 |  | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | XXXXXX | XXXXXX | 99 | 19010101 | 99 |  |  | 99 | 19010101 |  |  |  | 0.800000 | 0.800000 |  | 0 |  |  | 99 |  | XXXXXX |  |  | 20090701 | 0.00 | 0.00 |  |  |  |  | 19010101 |  | 0.00 | 0.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000000 |  | ATR/QM: Not Applicable |  |  |  |  | 0.000000 | 0.000000 | 99 |  |  |  |  |  |  |  |  |  |  | 0.000000 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | 0545394B-C0C0-4C53-8F6D-13682806099F | 1 | 1 | 0 | 6 |  | 1590.25 | 0 | 99 | 0 | 1 | 0 |  |  |  |  |  |  | XXXXXX | XXXXXX | 0.039900 | 360 | 360 | 20170701 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 811.09 | 1.00 |  |  | 99 | 20170221 | 661 | 603 | 690 |  |  |  | 661 |  | 3 |  |  |  |  |  |  |  |  |  |  |  | 8400.00 | 0.00 | 0.00 | 0.00 | 8400.00 | XXXXXX | 0 |  |  |  |  |  |  | 30020.67 | 3588.79 |  | 98 | 1.000000 | XXXXXX | XXXXXX | XXXXXX | 12 | 1 | XXXXXX | XXXXXX | 99 | 19010101 | 99 |  |  | 99 | 19010101 |  |  |  | 0.952641 | 0.952641 | 0.00 | 98 | 100.0000 | 1 | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.427237 | 0.449010 | QM: GSE Temporary - QM/SH |  |  |  |  | 0.427237 | 0.427237 | 99 |  |  |  |  |  |  |  |  |  |  | 0.427237 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | BAE639F3-059A-4230-BF73-31249FD3A072 | 1 | 1 | 0 | 99 |  |  | 0 | 99 | 1 | 99 | 0 |  |  |  |  | 1.00 |  | XXXXXX | XXXXXX | 0.043750 | 360 | 360 | 20171001 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 699.71 | 4.50 |  | 10.00 | 99 | 20170713 | 682 | 654 | 680 |  |  |  | 680 |  | 3 |  |  |  |  |  |  |  |  |  |  |  | 4680.96 | 0.00 | 1185.52 | 0.00 | 4680.96 | XXXXXX | 0 |  |  |  |  |  |  | 0.00 | 2438.29 |  | 98 |  | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | XXXXXX | XXXXXX | 99 | 19010101 | 99 |  |  | 99 | 19010101 |  |  |  | 0.285716 | 0.285714 |  | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.415631 | 0.415660 | QM: GSE Temporary - QM/SH |  |  |  |  | 0.415631 | 0.415629 | 99 |  |  |  |  |  |  |  |  |  |  | 0.415631 |  |
| 9999999 |  |  | 99 | XXXXXX | UNK | 169FD6C0-2D13-4FEE-B6EB-ED39B3E819B1 | 1 | 2 | 0 | 99 |  | 232.50 | 0 | 99 | 1 | 99 | 0 | 417000.00 | 99 |  |  |  | 20160111 | XXXXXX | XXXXXX | 0.076250 | 360 | 360 | 20160301 | 99 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 2749.48 | 1.83 |  | 15.00 | 99 | 20151124 | 709 | 650 | 689 |  |  |  | 689 |  | 3 |  |  |  |  |  |  |  |  |  |  |  | 7500.00 | 0.00 | 2498.12 | 0.00 | 7500.00 | XXXXXX | 0 |  |  |  |  |  |  | 6661.57 | 4257.73 |  | 98 |  | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | XXXXXX | XXXXXX | 3 | 20151214 | 99 |  |  | 99 | 19010101 |  |  |  | 0.850000 | 0.155000 | 0.00 | 0 |  |  | 99 |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.425853 | 0.423970 | QM: Rebuttable Presumption |  |  |  |  | 0.425853 | 0.425853 | 99 |  |  |  |  |  |  |  |  |  |  | 0.425853 |  |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **NYMT 2025-CP1** |
| **Start - End Dates:** | **2/29/2016 - 7/10/2018** |
| **Deal Loan Count:** | **19** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *19* |
| ***Loans with Conditions:*** | *16* |

---

---

| |
|:---|
| **11 - Total Active Conditions** |
| **11 - Non-Material Conditions** |
| 11 - Compliance Review Scope |
| 1 - Category: Documentation |
| 4 - Category: Federal Consumer Protection |
| 1 - Category: State Consumer Protection |
| 5 - Category: State Rate Spread |
| **23 - Total Satisfied Conditions** |
| 8 - Credit Review Scope |
| 2 - Category: Ability to Repay/Qualified Mortgage |
| 1 - Category: Credit/Mtg History |
| 3 - Category: Income/Employment |
| 2 - Category: Terms/Guidelines |
| 15 - Compliance Review Scope |
| 7 - Category: Ability to Repay/Qualified Mortgage |
| 1 - Category: Finance Charge Tolerance |
| 7 - Category: TILA/RESPA Integrated Disclosure |
| **1 - Total Waived Conditions** |
| 1 - Credit Review Scope |
| 1 - Category: Credit/Mtg History |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **NYMT 2025-CP1** |
| **Start - End Dates:** | **2/29/2016 - 7/10/2018** |
| **Deal Loan Count:** | **19** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *19* |
| ***Loans with Conditions:*** | *16* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Initial S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 01C20F51-6990-4643-AC4B-D69413E58CD0 | XXXXXX | VA | QM: Rebuttable Presumption | QM: Rebuttable Presumption C B | C | A | A | A C B | C | A | A | A C B | Compliance | Finance Charge Tolerance | Satisfied | N/A B | N/A B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Cleared with updated data points. | (No Data) | Cleared with updated data points. | (No Data) | Not Applicable | (No Data) |
| 01C20F51-6990-4643-AC4B-D69413E58CD0 | XXXXXX | VA | QM: Rebuttable Presumption | QM: Rebuttable Presumption C B | C | A | A | A C B | C | A | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID3530 | TRID - Loan Estimate: At least one section contains formatting that does not comply with the Regulation | No | Non-Numeric Material Error:LE dated XXX The estimated taxes, insurance and assessments has Other: blank with No escrow answered. This is inaccurately disclosed. | (No Data) | Corrected on CD dated XXX | Non-Numeric | Not Applicable | (No Data) |
| 01C20F51-6990-4643-AC4B-D69413E58CD0 | XXXXXX | VA | QM: Rebuttable Presumption | QM: Rebuttable Presumption C B | C | A | A | A C B | C | A | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID3772 | TRID - Error #10 discovered on Loan Estimate | No | LE dated XXX has the following formatting issues in the Other Costs Section (F. Prepaids):Prepaid Interest does not disclose the number of days. | (No Data) | Corrected on LE dated XXX | (No Data) | Not Applicable | (No Data) |
| 01C20F51-6990-4643-AC4B-D69413E58CD0 | XXXXXX | VA | QM: Rebuttable Presumption | QM: Rebuttable Presumption C B | C | A | A | A C B | C | A | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3602 | TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation | No | Non-Numeric Material Error.CD's dated XXX, XXX, XXX, XXX and XXX have the following formatting issues in the Other Costs Section (F. Prepaids):Prepaid Interest does not disclose the number of days. | 02/08/2017 - Client Response: The CD will not reflect the number of days, it only reflects the dates. Example: XXX-XXX. 02/16/17 - Client provided a PCCD dated XXX. | 02/08/2017 - Clayton reviewed the Client Response. Issue was incorrectly identified as Prepaid Interest. Issue is Homeowners Insurance Premium does not disclose the number of months. 02/16/17 - Clayton received PCCD dated XXX correcting prepaids section showing number of months hazard. Exception Satisfied L2 with 130(b) Cure Consent from Client. | Non-Numeric | Not Applicable | (No Data) |
| 01C20F51-6990-4643-AC4B-D69413E58CD0 | XXXXXX | VA | QM: Rebuttable Presumption | QM: Rebuttable Presumption C B | C | A | A | A C B | C | A | A | A C B | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CRDATRQM3122 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. | No | Provide documentation for the reviewer to determine the Lenders ATR/QM status determination. | Client Response: XXX - Client provided a XXX Report with the ATR/QM status identified. | Clayton Conclusion: 12/14/2016 - Clayton reviewed the XXX Report. Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| 738BFD9D-96B1-4C1D-956E-9874EA8FF4B5 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor D B | D | B | A | A B D | D | B | A | A B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID3530 | TRID - Loan Estimate: At least one section contains formatting that does not comply with the Regulation | No | Exception satisfied. CD issued XXX Estimated Total Monthly payment is formatted correctly. LE XXX, Section: Projected Payments, Estimated Total Monthly payment is not rounded to the nearest whole dollar amount. | (No Data) | Exception satisfied. CD issued XXX Estimated Total Monthly payment is formatted correctly. LE XXX, Section: Projected Payments, Estimated Total Monthly payment is not rounded to the nearest whole dollar amount. | Non-Numeric | Not Applicable | (No Data) |
| 738BFD9D-96B1-4C1D-956E-9874EA8FF4B5 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor D B | D | B | A | A B D | D | B | A | A B | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CRDATRQM3122 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. | No | XXX identifies the subject loan as QM Rebuttable Presumption. Clayton's QM Status Determination is "QM Safe Harbor". | 05/10/2017 Lender provided a XXX. 05/25/2017 Lender Response: Loan is Safe Harbor. | 05/10/2017 XXX identifies the subject loan as QM Rebuttable Presumption. Clayton's QM Status Determination is "QM Safe Harbor". Exception Remains. 05/25/2017 Clayton reviewed the Lender Response. Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| 738BFD9D-96B1-4C1D-956E-9874EA8FF4B5 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor D B | D | B | A | A B D | D | B | A | A B | Credit | Credit/Mtg History | Waived | N/A B | N/A B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Previous mortgage (XXX/XXX) was rated 1x30 in XXX. Guidelines require a mortgage rating of 0x30 for the past 24 months. | 04/20/2017 Lender Response: Previous mortgage (XXX/XXX) was rated 1x30 in XXX. Guidelines require a mortgage rating of 0x30 for the past 24 months. 04/20/2017 Client Response: The wording on our guides is a little unclear. The 0x30 does in fact apply to all second liens. That being said, with the wording on our current guides explicitly stating stand alone, please go ahead and override the exception on this specific loan. | 04/20/2017 Clayton reviewed the Lender Response. Exception Remains. 04/20/2017 - Clayton reviewed the Client Response. Exception Waived by XXX/XXX. | (No Data) | Not Applicable | (No Data) |
| 738BFD9D-96B1-4C1D-956E-9874EA8FF4B5 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor D B | D | B | A | A B D | D | B | A | A B | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No | Balance Sheet missing for XXX (required for QM loans). | 04/20/2017 Lender Response: This loan was underwritten according to the AUD findings, balance sheet not a requirement. 05/25/2017 Lender Response: A balance sheet is not required on a QM loan, there is a XXX P&L that was included in the file. Please review - Thanks 06/30/2017 Client provided XXX Balance Sheet Comparison. | 04/20/2017 Clayton reviewed the Lender Response. Exception Remains. 05/25/2017 - Escalated to Clayton Compliance Review. 05/25/2017 - Clayton Compliance Review Response: "Balance sheets are a requirement of appendix Q of Regulation Z for loans where the borrower is XXX please see attached the compliance flash."06/30/2017 - Clayton reviewed the XXX Balance Sheet Comparison. Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| 7DC9479D-1A96-4B35-9135-710CBE9EF770 | XXXXXX | OR | QM: Rebuttable Presumption | QM: Rebuttable Presumption A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| C8049A1B-8423-44C5-AEE7-78F2AD581267 | XXXXXX | CA | QM: Rebuttable Presumption | QM: Rebuttable Presumption B | A | A | A | A B | A | A | A | A B | Compliance | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 7.076%, Benchmark rate of 3.230% for a variance of 3.846% does not exceed the Rate Spread Trigger of 3.50%. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| 0D2416F6-5A16-4E81-B6C0-30B2191E7F95 | XXXXXX | FL | QM: Safe Harbor | QM: Safe Harbor C A | A | A | A | A C | A | A | A | A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM4821 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a better status than the Lender's status determination. | No | XXX identifies the subject loan as QM Rebuttable Presumption. Clayton's QM Status Determination is "QM Safe Harbor". | 02/06/2018 Lender Response: Loan is QM Safe Harbor. | 02/06/2018 Clayton reviewed the Lender Response. Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| FB7F543B-D2E9-4ABF-AAA8-4079D36F1879 | XXXXXX | CA | QM: Rebuttable Presumption | QM: Rebuttable Presumption B | A | A | A | A B | A | A | A | A B | Compliance | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 8.057%, Benchmark rate of 3.990% for a variance of 4.067% exceeding the Rate Spread Trigger of 3.500%. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| 7ADC03B6-9DA6-4859-BA1C-6DD123DF9E57 | XXXXXX | RI | QM: Rebuttable Presumption | QM: Rebuttable Presumption D A | D | A | A | A D | D | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3530 | TRID - Loan Estimate: At least one section contains formatting that does not comply with the Regulation | No | Material Clerical ErrorLE XXX Section Other Costs: missing number of days for prepaid interest. LE XXX corrects error. | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with same Employer at current job for 14+ years |
| 7ADC03B6-9DA6-4859-BA1C-6DD123DF9E57 | XXXXXX | RI | QM: Rebuttable Presumption | QM: Rebuttable Presumption D A | D | A | A | A D | D | A | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Approval missing to identify the Other Primary PITI fee of $XXX | 01/12/2018 Lender Response: Please refer to the mortgage coupon. The difference is for the escrow acct. | 01/12/2018 Clayton reviewed the Lender Response. Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with same Employer at current job for 14+ years |
| E79A8376-F3AD-48B2-9757-EEB3090A60A8 | XXXXXX | GA | QM: Rebuttable Presumption | QM: Rebuttable Presumption A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| CC96BD8C-9610-4ABA-95A9-3FC0F4640CCE | XXXXXX | CA | QM: Rebuttable Presumption | QM: Rebuttable Presumption B | A | A | A | A B | A | A | A | A B | Compliance | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 9.054%, Benchmark rate of 4.470% for a variance of 4.584% exceeding the Rate Spread Trigger of 3.500%. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| 19742E79-028C-4855-8979-AA73391A69E4 | XXXXXX | VA | QM: Rebuttable Presumption | QM: Rebuttable Presumption D A | D | A | A | A D | D | A | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Provide documentation/explanation for the "Other" fee of $XXX. | 4/25/2018-Lender provided revised 1008 with the "other" fee removed.4/25/2018-Clayton reviewed the 1008Exception satisfied - | 4/15/2018-Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been residing at the subject for 31 years. |
| 4AF82F39-AF42-4E80-ACEF-65F8015BFBDB | XXXXXX | MD | QM: Rebuttable Presumption | QM: Rebuttable Presumption C B | B | A | A | A C B | B | A | A | A C B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | XXX identifies the subject loan as QM Rebuttable Presumption. Clayton's QM Status Determination is "Non-QM/ATR" due to DTI > 43%. | (No Data) | Cleared with updated data points. | (No Data) | (No Data) | (No Data) |
| 4AF82F39-AF42-4E80-ACEF-65F8015BFBDB | XXXXXX | MD | QM: Rebuttable Presumption | QM: Rebuttable Presumption C B | B | A | A | A C B | B | A | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Numeric Material Error LE dated XXX-2 discloses transfer tax as as $XXX. LE XXX discloses transfer tax as $XXX. There was no COC provided disclosing increase of fees. This is causing a zero tolerance fail as CD tax stamps are disclosed as $XXX. This is being compared to LE XXX-2 due to no COC provided. Please provide either a COC disclosing increase in fee to borrower or refund check to borrower in the amount of $XXX, LOX, and proof of delivery to borrower. | 5/15/2018-Lender provided XXX COC. 5/15/2018-Clayton reviewed the COC. COC notes changed circumstance as a borrower requested change in loan terms and/or product types. Loan amount decreased from $XXX to $XXX and rate decreased from XXX% to XXX%. The COC notes that the increase in fee must be directly associated with the changes circumstance. The increase in transfer tax from $XXX to $XXX is not supported by the change. Exception remains. 5/16/2018-Lender replied: We have a quick question on the refund due to the borrower. The XXX LE amount of $XXX is an error. We will issue a refund to the borrower based on the original disclosure amount of $XXX. We are calculating the refund due as $XXX - $XXX = $XXX. However, is there a reason the refund was calculated as $XXX on the original exception 5/16/2018-Escalated to Clayton compliance review for verification. 5/17/2018-Clayton compliance review responded "There is an LE in file 0XXX-1 that discloses the Transfer Taxes as $XXX.That is the system baseline, and appears to be correct. If they are calculating per the $XXX below, that is the discrepancy."5/23/18 - Client provided PCCD dated XXX, refund check to borrower in the amount of $XXX, and proof of delivery to borrower. | 5/17/2018-Exception remains 5/23/18 - Clayton reviewed PCCD, refund check, and proof of delivery. Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| 4AF82F39-AF42-4E80-ACEF-65F8015BFBDB | XXXXXX | MD | QM: Rebuttable Presumption | QM: Rebuttable Presumption C B | B | A | A | A C B | B | A | A | A C B | Credit | Income/Employment | Satisfied | B A | B A | CRDINC2488 | Verbal verification of employment missing | No | Missing VVOE for 2nd job (XXX). | 05/10/2018 - Lender Response: Response w/lender calculations submitted via email on XXX. 05/10/18 - VVOE is required for all sources. Exception Remains. 05/16/2018 Lender Response: Lender will review. 6/7/2018-Lender provided WVOE dated XXX.6/7/2018-Clayton reviewed the WVOE . Exception satisfied | 6/7/2018-Exception satisfied | (No Data) | (No Data) | (No Data) |
| 7A00E71D-9D50-4F19-BC84-98A7707F97CA | XXXXXX | CA | QM: Rebuttable Presumption | QM: Rebuttable Presumption B | A | A | A | A B | A | A | A | A B | Compliance | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 9.350%, Benchmark rate of 3.930% for a variance of 5.42% exceeding the Rate Spread Trigger of 3.500%. | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 071B467E-37DE-4016-8962-E54E1C6A47D0 | XXXXXX | CT | QM: Safe Harbor | QM: Safe Harbor B A | A | A | A | A B | A | A | A | A B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | B A | B A | CMPATRQM4821 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a better status than the Lender's status determination. | No | XXX identifies the subject loan as QM Rebuttable Presumption. Clayton's QM Status Determination is "QM Safe Harbor". | 07/11/2018 Lender Response: Loan is QM Safe Harbor. | 07/11/2018 Clayton reviewed the Lender Response. Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| 5C404686-795A-4087-968F-27B4C0170BB2 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A | A | A C D | D | A | A | A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | B A | B A | CMPATRQM2902 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lenders status determination is not in file. | No | Missing ATR worksheet required by NYMT guidelines | 6/21/2018-Lender provided 3 UW certifications covering credit, assets and credit history. 6/21/2018-Clayton reviewed the lender response. The certifications are not an acceptable substitute for the ATR worksheet required by XXX guidelines. 6/27/2018-Lender replied- QM status is Safe Harbor - I understand that there is a concern related to the Compliance Analysis Report in that has been provided on each loan that there is an alert in the Findings Summary for QM. Please be advised that the loan meets QM/ATR requirements, is safe harbor and passes QM points and fees as indicated further in the report detail. 6/27/2018-Clayton reviewed the lender response-Exception satisfied | 6/21/2018-Exception remains 6/27/2018-Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement |
| 5C404686-795A-4087-968F-27B4C0170BB2 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A | A | A C D | D | A | A | A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | Missing YTD P&L | 6/27/2018-Lender provided XXX Year end distributions. 6/27/2018-Clayton reviewed the XXX distribution form. The file contains complete XXX 1040s and business tax returns for XXX. Due to note date of XXX a XXX YTD P&L is required. | 6/27/2018-Exception remains | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement |
| 5C404686-795A-4087-968F-27B4C0170BB2 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A | A | A C D | D | A | A | A C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | N/A | N/A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Due to missing YTD P&L | 7/9/18-Client provided XXX P&L.7/9/18-Clayton reviewed the P&L-exception satisfied | 7/9/18-Exception satisfied | (No Data) | (No Data) | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement |
| 5C404686-795A-4087-968F-27B4C0170BB2 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A | A | A C D | D | A | A | A C | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Borrower 1 is XXX. Provide YTD P&L for borrower's business: XXX | 6/27/2018-Lender provided XXX Year end distributions. 6/27/2018-Clayton reviewed the XXX distribution form. The file contains complete XXX 1040s and business tax returns for XXX. Due to note date of XXX a XXX YTD P&L is required.7/9/18-Client provided XXX P&L.7/9/18-Clayton reviewed the P&L-exception satisfied | 6/27/2018-Exception remains7/9/18-Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement |
| 4254CB67-0461-487B-9121-3D629F85E06E | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP300 | HMDA Rate Spread greater than threshold | No | Test APR of 8.131% with HMDA Benchmark Rate of 5.11% causing variance of 3.021% which exceeds HMDA Rate spread Trigger of 3.000. | 11/16/17 MI Cert provided | 11/16/17 MI cert provided, not relevant to exception. Exception remains | (No Data) | Not Applicable | (No Data) |
| 4254CB67-0461-487B-9121-3D629F85E06E | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower, unable to confirm timely delivery. | 11/16/17 MI Cert provided | 11/16/17 MI cert provided, not relevant to exception. Exception remains | (No Data) | Not Applicable | (No Data) |
| 233CC174-D61B-4A33-8F87-F77555C39F72 | XXXXXX | PA | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP300 | HMDA Rate Spread greater than threshold | No | Test APR of 9.185% with HMDA Benchmark Rate of 5.190% causing variance of 3.995% which exceeds HMDA Rate spread Trigger of 3.000. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| 0545394B-C0C0-4C53-8F6D-13682806099F | XXXXXX | MD | QM: Safe Harbor | QM: GSE Temporary - QM/SH C B | A | A | N/A | N/A C B | A | A | N/A | N/A C B | Compliance | Documentation | Active | C B | C B | CMPDOC2033 | Mortgage Insurance required but MI Certificate is missing | No | MI Certificate is missing | 6-5-2018- Client provided the following correspondence---A MI Cert is not available for us to provide as the loan is not is not insurable with the FHA. This was disclosed on the Bid tape when you selected it for purchase. Please waive this exception. | Grade adjusted to EV2: Loan is no longer insured per data tape. | (No Data) | Not Applicable | (No Data) |
| 0545394B-C0C0-4C53-8F6D-13682806099F | XXXXXX | MD | QM: Safe Harbor | QM: GSE Temporary - QM/SH C B | A | A | N/A | N/A C B | A | A | N/A | N/A C B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | The legal documents reflect no middle name or middle initial for the loan officer, the NMLS registry reflects a full middle name. | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 0545394B-C0C0-4C53-8F6D-13682806099F | XXXXXX | MD | QM: Safe Harbor | QM: GSE Temporary - QM/SH C B | A | A | N/A | N/A C B | A | A | N/A | N/A C B | Compliance | State Consumer Protection | Active | B | B | CMPSTCP2129 | MD Counseling Notice not in file | No | MD Counseling Notice missing. | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| BAE639F3-059A-4230-BF73-31249FD3A072 | XXXXXX | CA | QM: Safe Harbor | QM: GSE Temporary - QM/SH A | A | A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 169FD6C0-2D13-4FEE-B6EB-ED39B3E819B1 | XXXXXX | CA | QM: Rebuttable Presumption | QM: Rebuttable Presumption C B | A | A | A | A C B | A | A | A | A C B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | B A | B A | CMPATRQM2902 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lenders status determination is not in file. | No | Provide documentation for the reviewer to determine the lender's ATR/QM status determination. | 09/08/2016 - Client provided a XXX Report with the ATR/QM status identified.09/27/2016 - Client provided a XXX Report with the ATR/QM status identified. | W2015110118 - Clayton reviewed the XXX Report. Exception Satisfied.9/27/16 Conditions was previously cleared | (No Data) | (No Data) | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets/reserves were not required to be verified. The file contained a retirement account statement that verified $6,661.57 in assets or 1.95 months PITI reserves. |
| 169FD6C0-2D13-4FEE-B6EB-ED39B3E819B1 | XXXXXX | CA | QM: Rebuttable Presumption | QM: Rebuttable Presumption C B | A | A | A | A C B | A | A | A | A C B | Compliance | State Rate Spread | Active | B | B | CMPSRS2051 | CA Higher-Priced Loan | No | Test APR is 7.688%, Benchmark rate of 4.060% for a variance of 3.628% exceeding the Rate Spread Trigger of 3.50%. | (No Data) | (No Data) | (No Data) | (No Data) | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets/reserves were not required to be verified. The file contained a retirement account statement that verified $6,661.57 in assets or 1.95 months PITI reserves. |
| 169FD6C0-2D13-4FEE-B6EB-ED39B3E819B1 | XXXXXX | CA | QM: Rebuttable Presumption | QM: Rebuttable Presumption C B | A | A | A | A C B | A | A | A | A C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3602 | TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation | No | The Loan Disclosures section is improperly formatted on the CD's dated XXX and XXX. The Loan Disclosures Escrow account section did not identify "if you decline or lender does not offer escrow". | 09/09/2016 - Client provided a PCCD dated XXX. 09/27/2016 - Client provided a PCCD dated XXX. 01/31/2017 - Client Response: "Clayton: Consider this approval to use the 130(b) cure. PCCD corrected error." | 09/09/2016 - Clayton received the PCCD dated XXX. Pending 130(b) Cure Consent from Client. 9/27/2016 Clayton received the PCCD dated XXX. Pending 130(b) Cure Consent from Client.01/31/2017 - Satisfied L2 with 130(b) Cure Consent from Client. | Non-Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets/reserves were not required to be verified. The file contained a retirement account statement that verified $6,661.57 in assets or 1.95 months PITI reserves. |
| 169FD6C0-2D13-4FEE-B6EB-ED39B3E819B1 | XXXXXX | CA | QM: Rebuttable Presumption | QM: Rebuttable Presumption C B | A | A | A | A C B | A | A | A | A C B | Credit | Credit/Mtg History | Satisfied | N/A | N/A | CRDCRMH104 | Credit score below guidelines | No | Per the guidelines, the minimum allowable credit score is 720. The borrower's qualifying credit score was 689, a 31 point exception. Note: the file contained a letter from the client allowing the credit score exception. | 05/20/2016 Client provided updated guideline that allows for a 700 minimum FICO score. 01/31/2017 - Client Response: "Clayton: Clear this. Min FICO was 680."01/31/2017 - Client Response: we gave XXX approval to have credit scores as low as 700. That should address the XXX loan. See attached for the email history giving approval for the XXX score of 689. | 05/20/2016 - Upon further Clayton review the FICO exception was reduced from 31 to 11 and is deemed non-material. 01/31/2017 - Clayton reviewed the Client Response. Min Fico Score on guidelines dated XXX (in effect as of Closing Date of XXX) was 700. Exception Remains.01/31/2017 - Clayton reviewed the Client Response. Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets/reserves were not required to be verified. The file contained a retirement account statement that verified $6,661.57 in assets or 1.95 months PITI reserves. |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **NYMT 2025-CP1** |
| **Start - End Dates:** | **2/29/2016 - 7/10/2018** |
| **Deal Loan Count:** | **19** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *19* |
| ***Loans with Conditions:*** | *16* |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 01C20F51-6990-4643-AC4B-D69413E58CD0 | Yes | XXXXXX | XXXXXX C B | C | A | A | A C B | C | A | A | A C B | (No Data) |
| 738BFD9D-96B1-4C1D-956E-9874EA8FF4B5 | Yes | XXXXXX | XXXXXX D B | D | B | A | A B D | D | B | A | A B | (No Data) |
| 7DC9479D-1A96-4B35-9135-710CBE9EF770 | Yes | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | (No Data) |
| C8049A1B-8423-44C5-AEE7-78F2AD581267 | Yes | XXXXXX | XXXXXX B | A | A | A | A B | A | A | A | A B | (No Data) |
| 0D2416F6-5A16-4E81-B6C0-30B2191E7F95 | Yes | XXXXXX | XXXXXX C A | A | A | A | A C | A | A | A | A C | (No Data) |
| FB7F543B-D2E9-4ABF-AAA8-4079D36F1879 | Yes | XXXXXX | XXXXXX B | A | A | A | A B | A | A | A | A B | (No Data) |
| 7ADC03B6-9DA6-4859-BA1C-6DD123DF9E57 | Yes | XXXXXX | XXXXXX D A | D | A | A | A D | D | A | A | A | (No Data) |
| E79A8376-F3AD-48B2-9757-EEB3090A60A8 | Yes | XXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | (No Data) |
| CC96BD8C-9610-4ABA-95A9-3FC0F4640CCE | Yes | XXXXXX | XXXXXX B | A | A | A | A B | A | A | A | A B | (No Data) |
| 19742E79-028C-4855-8979-AA73391A69E4 | Yes | XXXXXX | XXXXXX D A | D | A | A | A D | D | A | A | A | (No Data) |
| 4AF82F39-AF42-4E80-ACEF-65F8015BFBDB | Yes | XXXXXX | XXXXXX C B | B | A | A | A C B | B | A | A | A C B | (No Data) |
| 7A00E71D-9D50-4F19-BC84-98A7707F97CA | Yes | XXXXXX | XXXXXX B | A | A | A | A B | A | A | A | A B | (No Data) |
| 071B467E-37DE-4016-8962-E54E1C6A47D0 | Yes | XXXXXX | XXXXXX B A | A | A | A | A B | A | A | A | A B | (No Data) |
| 5C404686-795A-4087-968F-27B4C0170BB2 | Yes | XXXXXX | XXXXXX D A | D | A | A | A C D | D | A | A | A C | (No Data) |
| 4254CB67-0461-487B-9121-3D629F85E06E | No | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| 233CC174-D61B-4A33-8F87-F77555C39F72 | No | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| 0545394B-C0C0-4C53-8F6D-13682806099F | Yes | XXXXXX | XXXXXX C B | A | A | N/A | N/A C B | A | A | N/A | N/A C B | (No Data) |
| BAE639F3-059A-4230-BF73-31249FD3A072 | Yes | XXXXXX | XXXXXX A | A | A | N/A | N/A | A | A | N/A | N/A | (No Data) |
| 169FD6C0-2D13-4FEE-B6EB-ED39B3E819B1 | Yes | XXXXXX | XXXXXX C B | A | A | A | A C B | A | A | A | A C B | (No Data) |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | NYMT 2025-CP1 |
| **Start - End Dates:** | 2/29/2016 - 7/10/2018 |
| **Deal Loan Count:** | 19 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *19* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 4AF82F39-AF42-4E80-ACEF-65F8015BFBDB | XXXXXX | Original LTV | 73.00 | 9.09 |
| 4AF82F39-AF42-4E80-ACEF-65F8015BFBDB | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 7A00E71D-9D50-4F19-BC84-98A7707F97CA | XXXXXX | Original LTV | 72.00 | 7.94 |
| 7A00E71D-9D50-4F19-BC84-98A7707F97CA | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 071B467E-37DE-4016-8962-E54E1C6A47D0 | XXXXXX | Original LTV | 58.00 | 10.87 |
| 071B467E-37DE-4016-8962-E54E1C6A47D0 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 0545394B-C0C0-4C53-8F6D-13682806099F | XXXXXX | Property Type | SFR | SFR-Attached |
| 169FD6C0-2D13-4FEE-B6EB-ED39B3E819B1 | XXXXXX | Note Rate | 7.679 | 7.6250 |
| 169FD6C0-2D13-4FEE-B6EB-ED39B3E819B1 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 169FD6C0-2D13-4FEE-B6EB-ED39B3E819B1 | XXXXXX | Origination Date | XXXXXX | XXXXXX |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **NYMT 2025-CP1** |
| **Start - End Dates:** | **2/29/2016 - 7/10/2018** |
| **Deal Loan Count:** | **19** |
| **ATR QM Upload** |  |
| *Loans in Report:* | *19* |

---

---

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| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 01C20F51-6990-4643-AC4B-D69413E58CD0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | Present | QM: Rebuttable Presumption | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | No | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 9.0182 | Yes | Yes | 3.746 | 5.000 | No | No | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.99 | 42.85 | 42.99 | 42.85 | 42.85 | 42.85 | No | No | (No Data) | 3308.43 | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 738BFD9D-96B1-4C1D-956E-9874EA8FF4B5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor | Present | QM: Safe Harbor | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | No | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 7.2583 | Yes | Yes | 0 | 3.000 | No | No | No | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.79 | 42.8 | 42.79 | 42.8 | 42.8 | 42.8 | No | No | (No Data) | 5726.21 | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 0 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months;<br> Verbal VOE with Income - 0 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 7DC9479D-1A96-4B35-9135-710CBE9EF770 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | Present | QM: Rebuttable Presumption | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 8.7431 | Yes | Yes | 4.906 | 5.000 | No | No | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.46 | 38.47 | 38.46 | 38.47 | 38.47 | 38.47 | No | No | (No Data) | 6429.66 | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| C8049A1B-8423-44C5-AEE7-78F2AD581267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | Present | QM: Rebuttable Presumption | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 7.0760 | Yes | Yes | 4.232 | 5.000 | No | No | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.3 | 38.3 | 38.3 | 38.3 | 38.3 | 38.3 | No | No | (No Data) | 4192.3 | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (No Data) | (No Data) | (No Data) | Yes | 7 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 7 months;<br> Personal Tax Return - 12 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months; | (No Data) | (No Data) | (No Data) |
| 0D2416F6-5A16-4E81-B6C0-30B2191E7F95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor | Present | QM: Safe Harbor | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 7.3842 | Yes | Yes | 3.119 | 5.000 | No | No | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.89 | 41.94 | 41.89 | 41.94 | 41.94 | 41.94 | No | No | (No Data) | 3186.91 | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| FB7F543B-D2E9-4ABF-AAA8-4079D36F1879 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | Present | QM: Rebuttable Presumption | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 8.0565 | Yes | Yes | 4.225 | 5.000 | No | No | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.51 | 42.51 | 42.51 | 42.51 | 42.51 | 42.51 | No | No | (No Data) | 3686.76 | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 7ADC03B6-9DA6-4859-BA1C-6DD123DF9E57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | Present | QM: Rebuttable Presumption | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 8.1190 | Yes | Yes | 4.927 | 5.000 | No | No | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.47 | 38.47 | 38.47 | 38.47 | 38.47 | 38.47 | No | No | (No Data) | 3753.07 | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 0 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 0 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| E79A8376-F3AD-48B2-9757-EEB3090A60A8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | Present | QM: Rebuttable Presumption | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 7.7456 | Yes | Yes | 3.463 | 0.000 | No | No | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.94 | 42.94 | 42.94 | 42.94 | 42.94 | 42.94 | No | No | (No Data) | 1715.32 | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 1 months; | (No Data) | (No Data) | (No Data) |
| CC96BD8C-9610-4ABA-95A9-3FC0F4640CCE | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | Present | QM: Rebuttable Presumption | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 9.0542 | Yes | Yes | 4.415 | 5.000 | No | No | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.88 | 41.88 | 41.88 | 41.88 | 41.88 | 41.88 | No | No | (No Data) | 3778.2 | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 19742E79-028C-4855-8979-AA73391A69E4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | Present | QM: Rebuttable Presumption | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 8.8031 | Yes | Yes | 4.893 | 5.000 | No | No | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.4 | 40.38 | 40.4 | 40.38 | 40.38 | 40.38 | No | No | (No Data) | 3679.49 | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 4AF82F39-AF42-4E80-ACEF-65F8015BFBDB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | Present | QM: Rebuttable Presumption | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 8.3478 | Yes | Yes | 2.069 | 5.000 | No | No | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.92 | 42.04 | 42.92 | 42.04 | 42.04 | 42.04 | No | No | (No Data) | 2495.81 | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 7A00E71D-9D50-4F19-BC84-98A7707F97CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | Present | QM: Rebuttable Presumption | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 9.3495 | Yes | Yes | 4.234 | 5.000 | No | No | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.21 | 41.21 | 41.21 | 41.21 | 41.21 | 41.21 | No | No | (No Data) | 2681.63 | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 28 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| 071B467E-37DE-4016-8962-E54E1C6A47D0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor | Present | QM: Safe Harbor | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 7.7374 | Yes | Yes | 4.855 | 5.000 | No | No | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.24 | 35.53 | 41.24 | 35.53 | 35.53 | 35.53 | No | No | (No Data) | 2926.46 | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 5C404686-795A-4087-968F-27B4C0170BB2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 7.2500 | Yes | Yes | 0 | 3.933 | No | No | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.89 | 29.89 | 29.89 | 29.89 | 29.89 | 29.89 | No | No | (No Data) | 15961.64 | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> CPA Letter with Income - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 4254CB67-0461-487B-9121-3D629F85E06E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1309 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -815 | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 233CC174-D61B-4A33-8F87-F77555C39F72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepaid in 12 months > 10% OPB | (No Data) | No | Yes | 1 | 9.1847 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -614.56 | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 0545394B-C0C0-4C53-8F6D-13682806099F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH | Present | QM: Safe Harbor | XXXXXX | (No Data) | Primary | SFR-Attached | 1 | FHA | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 4.7548 | Yes | No | 0.784 | Not Applicable | Yes | No | No | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.9 | 42.72 | 44.9 | 42.72 | 42.72 | 42.72 | No | No | (No Data) | 4811.21 | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| BAE639F3-059A-4230-BF73-31249FD3A072 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH | Present | QM: Safe Harbor | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.4444 | Yes | Yes | 1.386 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.57 | 41.56 | 41.57 | 41.56 | 41.56 | 41.56 | No | No | (No Data) | 3428.19 | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 169FD6C0-2D13-4FEE-B6EB-ED39B3E819B1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption | Present | QM: Rebuttable Presumption | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | No | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 7.6510 | Yes | Yes | 0.252 | 3.000 | No | No | No | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.4 | 42.59 | 42.4 | 42.59 | 42.59 | 42.59 | No | No | (No Data) | 5740.39 | (No Data) | (No Data) | (No Data) | (No Data) | Yes | (No Data) | (No Data) | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |

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<br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **NYMT 2025-CP1** |
| **Start - End Dates:** | **2/29/2016 - 7/10/2018** |
| **Deal Loan Count:** | **19** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *19* |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 01C20F51-6990-4643-AC4B-D69413E58CD0 | QM: Rebuttable Presumption | No | Yes | XXXXXX | XXXXXX | No | Yes | 1162.7 | XXXXXX | 9.0182 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 738BFD9D-96B1-4C1D-956E-9874EA8FF4B5 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 7.2583 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 7DC9479D-1A96-4B35-9135-710CBE9EF770 | QM: Rebuttable Presumption | No | Yes | XXXXXX | XXXXXX | No | Yes | 1502.66 | XXXXXX | 8.7431 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| C8049A1B-8423-44C5-AEE7-78F2AD581267 | QM: Rebuttable Presumption | No | Yes | XXXXXX | XXXXXX | No | Yes | 1120 | XXXXXX | 7.076 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 0D2416F6-5A16-4E81-B6C0-30B2191E7F95 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 1200 | XXXXXX | 7.3842 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| FB7F543B-D2E9-4ABF-AAA8-4079D36F1879 | QM: Rebuttable Presumption | No | Yes | XXXXXX | XXXXXX | No | Yes | 1000 | XXXXXX | 8.0565 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 7ADC03B6-9DA6-4859-BA1C-6DD123DF9E57 | QM: Rebuttable Presumption | No | Yes | XXXXXX | XXXXXX | No | Yes | 1214.06 | XXXXXX | 8.119 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| E79A8376-F3AD-48B2-9757-EEB3090A60A8 | QM: Rebuttable Presumption | No | Yes | XXXXXX | XXXXXX | No | Yes | 932.75 | XXXXXX | 7.7456 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| CC96BD8C-9610-4ABA-95A9-3FC0F4640CCE | QM: Rebuttable Presumption | No | Yes | XXXXXX | XXXXXX | No | Yes | 1406.6 | XXXXXX | 9.0542 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 19742E79-028C-4855-8979-AA73391A69E4 | QM: Rebuttable Presumption | No | Yes | XXXXXX | XXXXXX | No | Yes | 1811.38 | XXXXXX | 8.8031 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 4AF82F39-AF42-4E80-ACEF-65F8015BFBDB | QM: Rebuttable Presumption | No | Yes | XXXXXX | XXXXXX | No | Yes | 500 | XXXXXX | 8.3478 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 7A00E71D-9D50-4F19-BC84-98A7707F97CA | QM: Rebuttable Presumption | No | Yes | XXXXXX | XXXXXX | No | Yes | 1144 | XXXXXX | 9.3495 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 071B467E-37DE-4016-8962-E54E1C6A47D0 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 1156.25 | XXXXXX | 7.7374 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 5C404686-795A-4087-968F-27B4C0170BB2 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 4254CB67-0461-487B-9121-3D629F85E06E | ATR/QM: Not Applicable | Yes | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.1309 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 233CC174-D61B-4A33-8F87-F77555C39F72 | ATR/QM: Not Applicable | Yes | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.1847 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 0545394B-C0C0-4C53-8F6D-13682806099F | QM: GSE Temporary - QM/SH | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2200.22 | XXXXXX | 4.7548 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| BAE639F3-059A-4230-BF73-31249FD3A072 | QM: GSE Temporary - QM/SH | No | Yes | XXXXXX | XXXXXX | No | Yes | 2733 | XXXXXX | 4.4444 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 169FD6C0-2D13-4FEE-B6EB-ED39B3E819B1 | QM: Rebuttable Presumption | No | Yes | XXXXXX | XXXXXX | No | Yes | 232.5 | XXXXXX | 7.651 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |

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©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 243 | 244 | 247 | 248 | 251 | 252 | 255 | 256 | 258 | 259 | 260 | 261 |
| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Initial Securitization Credit Grade** | **Initial Securitization Property Valuation Grade** | **Final Securitization Credit Grade** | **Final Securitization Property Valuations Grade** | **Initial S&P Credit Grade** | **Initial S&P Property Valuation Grade** | **Final S&P Credit Grade** | **Final S&P Property Valuations Grade** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 01C20F51-6990-4643-AC4B-D69413E58CD0 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.5000 | 251.05 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 16.33 | 89.90 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | 147142.00 | 798.86 | Title Report | Fee Simple | XXXXXX | 22.42 | (No Data) | (No Data) | (No Data) | 210.00 | Present | XXXXXX | 1 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 729 | 725 | 698 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 725 | XXXXXX | 3308.43 | 25.44 | 42.85 | 2480.84 | 1472.84 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 8.500 | 251.06 | 25.44 | 42.85 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption C | C | A C B | A | A B C | C | A C B | A | A B | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 738BFD9D-96B1-4C1D-956E-9874EA8FF4B5 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1282.49 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 26.11 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | 424000.00 | 2054.91 | Commitment Title | Fee Simple | XXXXXX | 252.08 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 6 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 670 | 697 | 703 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 697 | XXXXXX | 5726.21 | 38.26 | 42.8 | 4283.79 | 3829.79 | 121216.42 | 121216.42 | 121216.42 | XXXXXX | 9199.74 | 2.4 | 2.40 | Fully Amortized | 7.250 | 1282.50 | 38.26 | 42.8 | Full Doc | Yes | Loan Prospector (LP) (FHLMC) or Loan Product Advisor | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor D | D | A B | B | A B D | D | A B | B | A B | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months;<br> Verbal VOE with Income - 0 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 7DC9479D-1A96-4B35-9135-710CBE9EF770 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 241.24 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 9.15 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | 287009.00 | 1314.70 | Title Report | Fee Simple | XXXXXX | 59.44 | (No Data) | (No Data) | 0.00 | 45.00 | Present | XXXXXX | 2 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 736 | 748 | 728 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 736 | XXXXXX | 6429.66 | 19.13 | 38.47 | 4019.58 | 1998.58 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 8.125 | 241.24 | 19.13 | 38.47 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption A | A | A | A | A | A | A | A | A | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| C8049A1B-8423-44C5-AEE7-78F2AD581267 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 15 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.2500 | 240.08 | Monthly | XXXXXX | 180 | 180 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | Enhanced Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 4.79 | 54.80 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | 292576.00 | 1455.26 | Title Report | Fee Simple | XXXXXX | 117.92 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 1 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 740 | 713 | 709 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 713 | XXXXXX | 4192.3 | 31.9 | 38.3 | 2602.79 | 2167.79 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 6.250 | 240.08 | 31.9 | 38.3 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption B | A | A B | A | A B | A | A B | A | A B | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 7 months;<br> Personal Tax Return - 12 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months; | (No Data) | (No Data) | (No Data) |
| 0D2416F6-5A16-4E81-B6C0-30B2191E7F95 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | 266.12 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | Enhanced Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 9.41 | 77.78 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | 290561.00 | 1475.82 | Title Report | Fee Simple | XXXXXX | 85.50 | (No Data) | (No Data) | 0.00 | 147.67 | Present | XXXXXX | 2 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 749 | 741 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 749 | XXXXXX | 3186.91 | 41.94 | 41.94 | 2302.14 | 2302.14 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.000 | 266.13 | 41.94 | 41.94 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor C | A | A C | A | A C | A | A C | A | A | Award Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| FB7F543B-D2E9-4ABF-AAA8-4079D36F1879 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 174.80 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 4.39 | 84.28 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | 455385.76 | 2276.74 | Title Report | Fee Simple | XXXXXX | 60.10 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 729 | 744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 744 | XXXXXX | 3686.76 | 42.51 | 42.51 | 2726.24 | 2726.24 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.500 | 174.81 | 42.51 | 42.51 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption B | A | A B | A | A B | A | A B | A | A B | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 7ADC03B6-9DA6-4859-BA1C-6DD123DF9E57 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 183.54 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 10.50 | 84.86 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | 185911.00 | 879.92 | Title Report | Fee Simple | XXXXXX | 245.17 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 693 | 702 | 699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 699 | XXXXXX | 3753.07 | 30.42 | 38.47 | 2346.35 | 1855.35 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.500 | 183.55 | 30.42 | 38.47 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption D | D | A | A | A D | D | A | A | A | Paystub - 1 months;<br> Verbal VOE with Income - 0 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| E79A8376-F3AD-48B2-9757-EEB3090A60A8 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 192.71 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | Enhanced Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 11.08 | 77.76 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | 170031.00 | 828.75 | Title Report | Fee Simple | XXXXXX | 139.17 | (No Data) | (No Data) | 0.00 | 16.67 | Present | XXXXXX | 1 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 704 | 702 | 746 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 704 | XXXXXX | 1715.32 | 42.94 | 42.94 | 1290.73 | 1290.73 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.250 | 192.72 | 42.94 | 42.94 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption A | A | A | A | A | A | A | A | A | Award Letter - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 1 months; | (No Data) | (No Data) | (No Data) |
| CC96BD8C-9610-4ABA-95A9-3FC0F4640CCE | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.5000 | 258.85 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | Enhanced Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 9.76 | 89.87 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | 276403.00 | 1295.85 | Title Report | Fee Simple | XXXXXX | 50.01 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 736 | 699 | 722 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 746 | 746 | 761 | XXXXXX | (No Data) | (No Data) | 722 | XXXXXX | 3778.2 | 30.5 | 41.88 | 2722.59 | 1982.59 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 8.500 | 258.86 | 30.5 | 41.88 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption B | A | A B | A | A B | A | A B | A | A B | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 19742E79-028C-4855-8979-AA73391A69E4 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 15 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 371.46 | Monthly | XXXXXX | 180 | 180 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | Enhanced Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 26.46 | 84.12 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | 85328.29 | 904.33 | Title Report | Fee Simple | XXXXXX | 112.51 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 739 | 717 | 719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 719 | XXXXXX | 3679.49 | 23.53 | 40.38 | 2492.26 | 1452.26 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.875 | 371.47 | 23.53 | 40.38 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption D | D | A | A | A D | D | A | A | A | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 4AF82F39-AF42-4E80-ACEF-65F8015BFBDB | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.0000 | 183.44 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | Enhanced Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 9.09 | 81.82 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | 199999.00 | 1009.46 | Title Report | Fee Simple | XXXXXX | 128.67 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 712 | 747 | 754 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 747 | XXXXXX | 2495.81 | 35.8 | 42.04 | 1810.53 | 1541.53 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 8.000 | 183.45 | 35.8 | 42.04 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption C | B | A C B | A | A B C | B | A C B | A | A B | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 7A00E71D-9D50-4F19-BC84-98A7707F97CA | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 20 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.6250 | 250.46 | Monthly | XXXXXX | 240 | 240 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | Enhanced Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 7.94 | 79.87 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | 258937.24 | 1162.23 | Title Report | Fee Simple | XXXXXX | 68.18 | (No Data) | (No Data) | 0.00 | 32.43 | Present | XXXXXX | 1 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 709 | 690 | 694 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 694 | XXXXXX | 2681.63 | 35.51 | 41.21 | 1879.76 | 1619.76 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 8.625 | 250.47 | 35.51 | 41.21 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption B | A | A B | A | A B | A | A B | A | A B | Award Letter - 1 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| 071B467E-37DE-4016-8962-E54E1C6A47D0 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 170.54 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | Enhanced Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 10.87 | 68.06 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | 131539.38 | 628.48 | Title Report | Fee Simple | XXXXXX | 61.25 | (No Data) | (No Data) | (No Data) | 38.53 | Present | XXXXXX | 2 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 733 | 677 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 686 | XXXXXX | 2926.46 | 26.13 | 35.53 | 1613.09 | 1186.09 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.250 | 170.55 | 26.13 | 35.53 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor B | A | A B | A | A B | A | A B | A | A | Award Letter - 1 months;<br> Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 5C404686-795A-4087-968F-27B4C0170BB2 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 535.51 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 10.54 | 79.93 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | 517000.00 | 2854.89 | Preliminary Title | Fee Simple | XXXXXX | 99.92 | (No Data) | (No Data) | 0.00 | 121.00 | Present | XXXXXX | 4 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 707 | 701 | 714 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 741 | 700 | XXXXXX | (No Data) | (No Data) | 707 | XXXXXX | 15961.64 | 19.27 | 29.89 | 6805.36 | 4387.36 | 199015.00 | 199015 | 199015 | XXXXXX | 35034.7 | 7.99 | 7.99 | Fully Amortized | 7.250 | 535.51 | 19.27 | 29.89 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D | A C | A | A D | D | A C | A | A | Business Tax Return - 24 months;<br> CPA Letter with Income - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 4254CB67-0461-487B-9121-3D629F85E06E | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | (No Data) | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 815.00 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Yes | Lower Interest Rate | Fixed Rate | Present | XXXXXX | StepFix/GRM | XXXXXX | 2.000 | 415.37 | Monthly | XXXXXX | XXXXXX | 388 | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | XXXXXX | 95.93 | 95.93 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | Yes | Yes | Borrower | XXXXXX | (No Data) | (No Data) | (No Data) | 1 | Present | (No Data) | (No Data) | (No Data) | (No Data) | Fee Simple | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | -815 | 0 | 0 | 815 | 815 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | (No Data) | (No Data) | (No Data) | 0 | 0 | (No Data) | (No Data) | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | (No Data) | (No Data) | (No Data) | (No Data) |
| 233CC174-D61B-4A33-8F87-F77555C39F72 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | (No Data) | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.4900 | 614.56 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepaid in 12 months > 10% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Yes | Lower Interest Rate | Fixed Rate | Present | XXXXXX | Fixed | XXXXXX | 5.150 | 459.53 | Monthly | XXXXXX | XXXXXX | 338 | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 1 | Present | (No Data) | (No Data) | (No Data) | (No Data) | Fee Simple | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | -614.56 | 0 | 0 | 614.56 | 614.56 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | (No Data) | (No Data) | (No Data) | 0 | 0 | (No Data) | (No Data) | (No Data) | (No Data) | Present | XXXXXX | Present | Present | (No Data) | (No Data) | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | (No Data) | (No Data) | (No Data) | (No Data) |
| 0545394B-C0C0-4C53-8F6D-13682806099F | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FHA | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 3.9900 | 1348.69 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | XXXXXX | 95.26 | 95.26 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Assumable upon credit approval | No | Yes | No | Borrower | XXXXXX | FHA | 100.00 | 183.83 | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 44.82 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 661 | 603 | 690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 661 | XXXXXX | 4811.21 | 25.71 | 42.72 | 3588.79 | 2159.78 | 36681.84 | 33169.73 | 33169.73 | XXXXXX | 30020.67 | 15.19 | 15.19 | Fully Amortized | 3.990 | 1348.69 | 25.71 | 42.72 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH C | A | N/A C B | A | N/A B C | A | N/A C B | A | N/A B | Paystub - 1 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| BAE639F3-059A-4230-BF73-31249FD3A072 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 4.3750 | 998.58 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | XXXXXX | 28.57 | 28.57 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 1 | Present | Yes | 1.00 | 501.89 | Final Title | Fee Simple | XXXXXX | 131.11 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 682 | 654 | 680 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | 680 | XXXXXX | 3428.19 | 28.95 | 41.56 | 2438.29 | 1698.29 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 4.375 | 998.58 | 28.95 | 41.56 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH A | A | N/A | A | N/A | A | N/A | A | N/A | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 169FD6C0-2D13-4FEE-B6EB-ED39B3E819B1 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 658.25 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 15.50 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | 2 | Present | Yes | 417000.00 | 2051.39 | Preliminary Title | Fee Simple | XXXXXX | 107.08 | (No Data) | (No Data) | (No Data) | 222.00 | Present | XXXXXX | 2 | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 709 | 650 | 689 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | 93000.00 | (No Data) | 689 | XXXXXX | 5740.39 | 34.08 | 42.59 | 4257.73 | 3407.73 | 11102.61 | 6661.57 | 0 | XXXXXX | 6661.57 | 1.95 | (No Data) | Fully Amortized | 7.625 | 658.25 | 34.08 | 42.59 | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption C | A | A C B | A | A B C | A | A C B | A | A B | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | NYMT 2025-CP1 |
| **Start - End Dates:** | 2/29/2016 - 7/10/2018 |
| **Deal Loan Count:** | 19 |
| **Valuations Summary** |  |
| *Loans in Report:* | *19* |

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|  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| 01C20F51-6990-4643-AC4B-D69413E58CD0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 738BFD9D-96B1-4C1D-956E-9874EA8FF4B5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7DC9479D-1A96-4B35-9135-710CBE9EF770 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| C8049A1B-8423-44C5-AEE7-78F2AD581267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Enhanced Automated Valuation Model |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 0D2416F6-5A16-4E81-B6C0-30B2191E7F95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Enhanced Automated Valuation Model |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| FB7F543B-D2E9-4ABF-AAA8-4079D36F1879 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7ADC03B6-9DA6-4859-BA1C-6DD123DF9E57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| E79A8376-F3AD-48B2-9757-EEB3090A60A8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Enhanced Automated Valuation Model |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| CC96BD8C-9610-4ABA-95A9-3FC0F4640CCE | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Enhanced Automated Valuation Model |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 19742E79-028C-4855-8979-AA73391A69E4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Enhanced Automated Valuation Model |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 4AF82F39-AF42-4E80-ACEF-65F8015BFBDB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Enhanced Automated Valuation Model |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7A00E71D-9D50-4F19-BC84-98A7707F97CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Enhanced Automated Valuation Model |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 071B467E-37DE-4016-8962-E54E1C6A47D0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Enhanced Automated Valuation Model |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5C404686-795A-4087-968F-27B4C0170BB2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 4254CB67-0461-487B-9121-3D629F85E06E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 233CC174-D61B-4A33-8F87-F77555C39F72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 0545394B-C0C0-4C53-8F6D-13682806099F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| BAE639F3-059A-4230-BF73-31249FD3A072 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 169FD6C0-2D13-4FEE-B6EB-ED39B3E819B1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **NYMT 2025-CP1** |
| **Start - End Dates:** | **2/29/2016 - 7/10/2018** |
| **Deal Loan Count:** | **19** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Credit/Mtg History | CRDCRMH118 | Mortgage/rental lates exceed guidelines | 1 |
| **Total** |  |  |  | **1** |

---

<br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.5

**Exhibit 99.5**

![](tm2520117d1_ex99-5img001.jpg)

**NARRATIVE**

**NYMT 2025-CP1**

**By Canopy Financial Technology Partners LLC on July 07, 2025**

Canopy Financial Technology Partners LLC

<u>chweeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2520117d1_ex99-5img001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by New York Mortgage Trust, Inc. (the "Client") or its affiliated company. The Review was conducted from May 2022 to June 2024 via files imaged and provided by the Client for review.

The Review consisted of a population of fifty-one (51) Loans with an aggregate principal balance of $12,763,863.00.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs), Fitch Ratings, Inc. and DBRS, Inc.

**Data Integrity**

Canopy performed a data comparison review of the data fields provided by the Client on the loan tape to the data found in the actual Loan File as captured by Canopy. This comparison, when specific data was available, included the following data fields and tolerance levels noted below.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;ARM First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;ARM Subsequent Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2520117d1_ex99-5img001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

Canopy reviewed each Loan File to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria or other requirements provided by the Client, including, as applicable, Ability to Repay (ATR) and Qualified Mortgage (QM) requirements. The Credit Qualification review consisted of the following:

**Loan Attributes.** To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2520117d1_ex99-5img001.jpg)

· Assets and Reserves;

· DTI (when applicable);

· DSCR (when applicable);

· Gross Income (when applicable);

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

**Credit Application:** For the Credit Application (1003), Canopy verified whether

· All known borrower-owned properties are disclosed on the REO Section;

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

· A credit report or alternative credit history as applicable to loan type is present for each borrower;

· Bankruptcy and foreclosure seasoning;

· Capture the monthly consumer debt payments for use in the applicable DTI calculation;

· Installment and revolving payment history;

· Mortgage/rental payment history;

· Note and research the Real Estate Owned, OFAC, and Fraud alerts;

· Number of tradelines; and

· Representative Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u>\|©2021 Proprietary and Confidential

![](tm2520117d1_ex99-5img001.jpg)

· Award letters;

· IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

· Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subject property ownership history

· OFAC.

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

· Depository account statements;

· Gift funds;

· Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

· Stock or security account statements; and/or

· VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

· Confirmed that the flood certification is for the correct borrower, property, lender and loan number and is a "Life of Loan"
certification;

· Confirmed that the mortgagee clause lists the lender's name and "its successors and assigns;"

· Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2520117d1_ex99-5img001.jpg)

· For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines;

· For properties in a flood zone per the flood certification, confirmed that flood insurance meets guideline requirements in the file
and met the minimum required amount of coverage in the guidelines;

· Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and that taxes are current; and

· Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines.

**Automated Underwriting System Findings:** N/A

**Document Review**

Canopy reviewed each Loan File and verified if the following documents, as applicable, were included in the file and if the data on these documents was consistent (where applicable):

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

· Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section herein;

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

· Post-Consummation Closing Disclosure (PC-CD) [if applicable].

**Business Purpose Validation (when applicable)**

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act ("TILA") [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

**"Missing Document" to Cleared Exception:** In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for "Business Purpose" Canopy assigned the file a "D" grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the "primary purpose" of the loan as "business purpose" the "D" grade – "Missing Document", was cleared by Canopy.

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**"Missing Document" to "B" Grade:** In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy' review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

(i) **Anti-Predatory Lending** requirements, that are imposed by federal, state and/or local statutory, regulatory or authoritative
determinations (e.g. state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil
or criminal liability upon the Assignee or may cause significant loss severity to the value of the Loan, including HOEPA and any state
and local high-cost home loan laws. Assignee shall have the meaning as defined in TILA;

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by
Regulation Z, 12 C.F.R. Part 1026;

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(iii) the **Real Estate Settlement Procedures Act** (" <u>RESPA</u> "), 12 U.S.C. §2603, as implemented by Regulation
X, 12 C.F.R. Part 1024;

(iv) the **Equal Credit Opportunity Act** ("ECOA") **, 15 U.S.C.** §1691 as implemented by Regulation B, 12 C.F.R.
 §1001.1(b);

**I.** **Compliance Documentation Requirements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review of the following documents as they related to regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial and final application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Note, including all addendums

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Copy of note for any junior liens (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Mortgage / Deed of Trust, including all riders

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Initial, Interim, and Final Loan Estimates ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior
to consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Notice of Right to Cancel (as applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA Disclosures (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial Escrow Account Disclosure

**II.** **Anti-Predatory Lending (Assignee Liability)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loans were reviewed for violations of federal, state & local high cost, higher-priced and/or
consumer finance laws and regulations that carry Assignee Liability, including those defined below. Any loan that is determined to be
classified and/or defined as high cost, higher-priced, subprime, threshold, predatory high risk, covered or similar classification/definition
was reported.

**III.** **Compliance Testing Elements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Truth-in-Lending Act (TILA) / Regulation Z**: Loans were reviewed to determine compliance with the
following requirements of TILA and Regulation Z, including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs and
CDs with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, principal and interest calculations,
proper completion of the Projected Payments table, total of payments, finance charge, amount financed, recalculation of disclosed APR
and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required
timeframes. Testing will be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID
Grid 4.0" v.02-16-2023);

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel, including
a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required
parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the
borrower(s). The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings;

**Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review to ensure compliance with RESPA/Regulation
X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement;
Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm compliance with the January 18,
2014 requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application,
the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The
disclosure of the right to receive a copy of appraisals may be met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance with the current FCRA/Regulation
V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory Arbitration – Canopy will report mandatory arbitration provisions present in the Loan
File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Single Premium Credit Insurance – Canopy will report single premium credit insurance policies or
debt cancellation agreements present in the Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. TPR will test for state prepayment and late charge restrictions. If a prepayment penalty that exceeds
the state permitted penalty has expired, this must be reported.

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**State & Local Anti-Predatory Requirements**

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:

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

· California Anti-Predatory Lending ("Covered Loan", Cal. Fin. Code § 4970 et seq.

· California Higher-Priced Mortgage Loan ("CA HPML"), Cal. Fin. Code §4995 et seq.

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

· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible
Lending and Economic Security Act, Conn. House Bill 5577 (2008).

· Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

· District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as
implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

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

· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§
137/1 et seq. (2004).

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

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

· Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended
by Illinois SB 1167 (2007).

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

· Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

· Kentucky Anti-Predatory Lending Statute, as amended by Kentucky House Bill 552 (2008), Ky. Rev. Stat.
 § 360.100 et seq.

· Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann.
 §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

· Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended
by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

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

· Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387
(2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183(C).

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

· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).

· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et
seq.

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

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

· Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as
amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

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

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· Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat.
 § 598D.010 et seq.

· New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

· New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. §
58-21A-1 et seq.

· New York High-Cost Home Loan Regulations (1A - Original Part 41), 3 NYCCR Part 41 (2001).

· New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L.
Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).

· New York Subprime Home Loans, NY Bank. Law § 6-m.

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

· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules §
109 4-3-01 et seq.

· City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

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

· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

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

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

· City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33
as amended.

· Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as
implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

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

· South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

· Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

· Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

· The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI
of the Texas Constitution

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

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

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

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

· Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann.
 §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

· Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

· West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

· Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

· Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

**QUALIFIED MORTGAGE (QM)**

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

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

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

Ability to Repay (ATR)

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

Note: for loans designated as QM – Agency eligible (QM – Temporary), Canopy will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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**Valuation Review**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

· With respect to Title XI of FIRREA, Canopy checked for the presence of the appraiser's license,
and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

· With respect to USPAP, Canopy confirmed the appraiser's certification is present and executed within
the original appraisal.

***Independent third-party values***

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

**Valuation Reconciliation Process:**

· If a Desk Review, or other acceptable review product, was provided supporting the origination appraised
value within a -10% variance and acceptable confidence score, no additional products were required.

· In the event a Desk Review yielded material exceptions or had a value exceeding a negative ten percent
(-10%) variance, a field review or second appraisal was ordered to further establish value.

**Agency Eligible Loans:**

· For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered an AVM or Desk Review. If the CU Score was less than or equal to 2.5, no further review product was required based on market acceptance of Agency Eligible Loans.

· For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered an AVM or Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no further review product was required based on market acceptance of Agency Eligible Loans.

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Form ABS Due Diligence-15E.

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

---

---

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

---

---

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

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 13.73% (7 loans) have an overall grade of "D", 31.37% (16 loans) have an overall grade of "C", 0% (0 loans) have an overall grade of "B", and 54.90% (28 loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "D" for 3.77% or two (2) mortgage loans reviewed; "C" for 28.30% or fifteen (15) mortgage loans reviewed; "B" for 0.00% or zero (0) mortgage loans reviewed; and 67.92% (36 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "D" for 13.73% or seven (7) mortgage loans reviewed; "C" for 17.65% or nine (9) mortgage loans reviewed; "B" for 3.92% or two (2) mortgage loans reviewed; and 64.71% (33 loans) have a Compliance grade of "A".

Canopy's review concluded a Property grade of "D" for 0% or zero (0) mortgage loans reviewed; "C" for 1.96% or one (1) mortgage loan reviewed; "B" for 0% or zero (0) mortgage loans reviewed; and 98.04% (50 loans) have a Property grade of "A".

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2520117d1_ex99-5img001.jpg)

**FINDINGS TABLE**

**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;28 | &nbsp;&nbsp;54.90% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;16 | &nbsp;&nbsp;31.37% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;7 | &nbsp;&nbsp;13.73% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;39 | &nbsp;&nbsp;76.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;11 | &nbsp;&nbsp;21.57% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;33 | &nbsp;&nbsp;64.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.92% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;9 | &nbsp;&nbsp;17.65% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;7 | &nbsp;&nbsp;13.73% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;50 | &nbsp;&nbsp;98.04% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** |

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Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2520117d1_ex99-5img001.jpg)

**Additional Loan Summary Details**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;47 | &nbsp;&nbsp;92.16% | &nbsp;&nbsp;$11490276.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.84% | &nbsp;&nbsp;$1273587.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12763863.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$12763863.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12763863.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans other than loans secured by real estate | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.84% | &nbsp;&nbsp;$475000.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;13 | &nbsp;&nbsp;25.49% | &nbsp;&nbsp;$3104125.00 |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$353400.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;13 | &nbsp;&nbsp;25.49% | &nbsp;&nbsp;$2896785.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;14 | &nbsp;&nbsp;27.45% | &nbsp;&nbsp;$3570402.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;6 | &nbsp;&nbsp;11.76% | &nbsp;&nbsp;$2364151.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**114.71%** | &nbsp;&nbsp;**$12763863.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.92% | &nbsp;&nbsp;$254750.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.92% | &nbsp;&nbsp;$230000.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;47 | &nbsp;&nbsp;92.16% | &nbsp;&nbsp;$12279113.00 |
| &nbsp;&nbsp;361 - 420 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12763863.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;45 | &nbsp;&nbsp;88.24% | &nbsp;&nbsp;$11629483.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.84% | &nbsp;&nbsp;$726980.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.92% | &nbsp;&nbsp;$407400.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12763863.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2520117d1_ex99-5img001.jpg)

**DATA COMPARISON RESULTS**

Of the fifty-one (51) Loan files reviewed, forty-five (45) unique loans (88.24% by number) had fifty-seven (57) tape comparison discrepancies across five (5) data fields.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans <br> with<br> Discrepancy** | &nbsp;&nbsp;**Total <br> Times<br> Compared** | &nbsp;&nbsp;**Percent<br> Variance** |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;51 | &nbsp;&nbsp;7.84% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;41 | &nbsp;&nbsp;51 | &nbsp;&nbsp;80.39% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;51 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;51 | &nbsp;&nbsp;7.84% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;7 | &nbsp;&nbsp;51 | &nbsp;&nbsp;13.73% |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](tm2520117d1_ex99-5img001.jpg)

**Disclaimer**

*Canopy Financial Technology Partners, LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).*

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.*

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.*

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.*

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.*

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

## Exhibit 99.6

**Exhibit 99.6**

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| **Primary Servicer** | **Servicing Fee Percentage** | **Servicing Fee Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Amortization Type** | **Lien Position** | **Heloc Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points in Dollars** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** | **ARM Round Flag** | **ARM Rounding Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self Employment Flag** | **Current Other Monthly Payment** | **Length of Employment Borrower** | **Length of Employment Co Borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** | **Most Recent FICO Method** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** | **Credit Report Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12 Month Pay History** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506T Indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification** | **Borrower Employment Verification** | **Co Borrower Employment Verification** | **Borrower Asset Verification** | **Co Borrower Asset Verification** | **Liquid Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment From Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI Lender or Borrower Paid** | **Pool Insurance Co Name** | **Pool Insurance Stop Loss Percent** | **MI Certificate Number** | **Updated DTI Front End** | **Updated DTI Back End** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre Modification Interest Note Rate** | **Pre Modification P&I Payment** | **Pre Modification Initial Interest Rate Change Downward Cap** | **Pre Modification Subsequent Interest Rate Cap** | **Pre Modification Next Interest Rate Change Date** | **Pre Modification IO Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator Y/N** | **Gross Manufacturers Invoice Price** | **LTI Loan to Invoice Gross** | **Net Manufacturers Invoice Price** | **LTI Net** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community Related Party Lender Y/N** | **Defined Underwriting Criteria Y/N** | **Chattel Indicator** |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 667489 | 1 | 1 | 0 | 3 | xxx | .00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  | 10000.00 |  | xxx | xxx | xxx | 180 | 180 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | .00 |  | 32.00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 148 | 22755.00 | 18 | 0.582626 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 1 | 4 |  | 3 |  | 4 |  | xxx | xxx | 0.613200 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 10 | xxx |  |  |  |  |  |  |  | 0.863100 | 0.738100 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 682553 | 2 | 1 | 0 | 7 | .00 | 1497.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  | 39 | 45 | 0.040000 | 3 | 0.001250 | 60 | 0.020000 | 0.018750 | 12 | 0.020000 | 0.020000 | 0.108750 | 0.040000 |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 3 | 1 | 1 | xxx | 8.33 |  |  | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 308 | 65000.00 | 3 | 0.064462 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 4 |  | 3 |  | 4 |  | xxx | xxx | 0.342300 | 0.070300 | 4 | 1.000000 | xxx | xxx | xxx | 1 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.850000 | 0.850000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 685361 | 1 | 1 | 0 | 3 | xxx | 1931.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  | 20170317 | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | 25.00 |  | 20.00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 247 | 9700.00 | 6 | 0.785920 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 1 | 5 |  | 3 |  | 1 |  | xxx | xxx | 0.420300 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.689700 | 0.689700 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 683402 | 1 | 1 | 0 | 6 | .00 | 2283.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  | 4655.00 | 20180620 | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | 3.42 |  |  | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 70 | 12017.00 | 1 | 0.588947 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 4 |  | 3 |  | 4 |  | xxx | xxx | 0.416800 |  | 1 | 0.050000 | xxx | xxx | xxx | 3 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.997500 | 0.950000 | .00 | 98 | 0.160000 | 1 | 98 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 683658 | 1 | 1 | 0 | 9 | .00 | .00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx | 13.10 | .00 | 6.00 | 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3 |  |  |  |  | 169 | 8000.00 | 1 | 0.219302 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 1 | 1 | 1 | 1 | 4 | 1 | xxx | xxx | 0.000000 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 99 | xxx |  |  |  |  |  |  |  | 0.874800 | 0.874800 | .00 | 98 |  | 1 | 98 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 673275 | 1 | 1 | 0 | 9 | .00 | .00 | 0 | 0 | 0 | 1 | 1 |  |  |  |  |  | 20060301 | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | .00 |  | 14.00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 246 | 25590.00 | 1 | 0.498830 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 1 | 4 |  | 3 |  | 4 |  | xxx | xxx | 0.466500 |  | 1 |  | xxx | xxx | xxx | 3 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.800000 | 0.800000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 672900 | 1 | 1 | 0 | 6 | .00 | 4171.75 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | 3.00 |  |  | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 241 | 31946.00 | 7 | 0.515000 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 5 |  | 3 |  | 4 |  | xxx | xxx | 0.561500 |  | 1 | 0.000000 | xxx | xxx | xxx | 1 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.981900 | 0.981900 | .00 | 98 |  | 1 | 98 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 681039 | 1 | 1 | 0 | 3 | xxx | 2640.63 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 1 | xxx | 5.64 |  | 3.00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 205 | 25802.00 | 20 | 0.432762 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 1 | 5 |  | 3 |  | 4 |  | xxx | xxx | 0.474900 |  | 1 |  | xxx | xxx | xxx | 3 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.450000 | 0.450000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 670110 | 1 | 1 | 0 | 3 | xxx | 8261.50 | 0 | 0 | 0 | 1 | 4 |  |  |  |  | 21010.55 | 20130301 | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 1 | xxx | 18.73 |  | 10.00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 291 | 31595.99 | 0 | 0.997846 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 1 | 4 |  | 3 |  | 4 |  | xxx | xxx | 0.484600 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.447400 | 0.413800 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 669662 | 1 | 1 | 0 | 7 | .00 | 3156.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 2 | 1 | 0 | xxx | 10.00 |  |  | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 146 | 4600.00 | 1 | 0.014348 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 5 |  | 3 |  | 4 |  | xxx | xxx | 0.492400 |  | 1 | 1.000000 | xxx | xxx | xxx | 1 | 2 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.900000 | 0.900000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 682752 | 1 | 1 | 0 | 1 | xxx | 6463.60 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | 1.80 |  | 12.00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 191 | 7500.00 | 2 | 0.141126 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 5 |  | 3 |  | 1 |  | xxx | xxx | 0.444500 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.738600 | 0.738600 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 678670 | 1 | 1 | 0 | 3 | xxx | 5071.44 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | 7.00 |  | 3.00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 150 | 13000.00 | 1 | 0.004692 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 5 |  | 3 |  | 1 |  | xxx | xxx | 0.461700 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.800000 | 0.800000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 683661 | 1 | 1 | 0 | 7 | .00 | 1290.00 | 0 | 0 | 1 | 2 | 1 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | .00 |  |  | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 532 | 19000.00 | 2 | 0.163504 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 4 |  | 3 |  | 4 |  | xxx | xxx | 0.544000 |  | 1 | 0.166670 | xxx | xxx | xxx | 14 | 1 | xxx | xxx | 3 | xxx |  |  | xxx | xxx | xxx |  |  | 0.800000 | 0.800000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 678347 | 1 | 1 | 0 | 6 | .00 | 1320.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | 1.00 |  |  | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 291 | 26705.00 | 6 | 0.320995 | XXXXXXXXXXXX | 76 |  | xxx |  | xxx |  | xxx | xxx | 0 | 5 |  | 3 |  | 4 |  | xxx | xxx | 0.470300 |  | 1 | 0.966330 | xxx | xxx | xxx | 1 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.961500 | 0.961500 | .00 | 98 |  | 1 | 98 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 681767 | 1 | 1 | 0 | 4 | xxx | 2569.22 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | 1.00 |  | 21.00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 294 | .00 | 1 | 0.000000 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 4 |  | 3 |  | 4 |  | xxx | xxx | 0.458400 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.768300 | 0.768300 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 671200 | 1 | 1 | 0 | 7 | .00 | 913.38 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 1 | xxx | 17.00 | 1.67 |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3 |  |  |  |  | 203 | 5250.00 | 1 | 0.101347 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1 | 5 | 5 | 3 | 3 | 4 | 4 | xxx | xxx | 0.418000 |  | 1 | 1.000000 | xxx | xxx | xxx | 7 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.750000 | 0.750000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 685035 | 2 | 1 | 0 | 7 | .00 | .00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  | 39 | 45 | 0.022500 | 3 | 0.001250 | 84 | 0.050000 | 0.013750 | 12 | 0.020000 | 0.020000 | 0.086250 | 0.022500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 3 | 3 | 1 | xxx | 18.00 | 10.50 |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3 |  |  |  |  | 301 | 29573.00 | 4 | 0.610269 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1 | 5 | 5 | 3 | 3 | 4 | 4 | xxx | xxx | 0.484900 | 0.028000 | 1 | 1.000000 | xxx | xxx | xxx | 1 | 2 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.800000 | 0.800000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 685043 | 1 | 1 | 0 | 3 | xxx | 4396.20 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 3 | 2 | 1 | xxx | 4.00 | 10.00 | 15.00 | 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3 |  |  |  |  | 427 | 41483.00 | 13 | 0.121150 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 5 | 5 | 3 | 3 | 1 | 1 | xxx | xxx | 0.513700 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.437600 | 0.437600 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 675020 | 1 | 1 | 0 | 9 | .00 | 7798.50 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | .00 |  | 17.70 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 238 | 26859.00 | 18 | 0.381073 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 4 |  | 1 |  | 1 |  | xxx | xxx | 0.521500 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.779000 | 0.779000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 670805 | 1 | 1 | 0 | 6 | .00 | 1315.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 3 | 1 | 1 | xxx | 10.00 |  |  | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 211 | 13406.00 | 5 | 0.807214 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 5 |  | 3 |  | 4 |  | xxx | xxx | 0.498500 |  | 1 | 1.000000 | xxx | xxx | xxx | 12 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.750000 | 0.750000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 688515 | 1 | 1 | 0 | 1 | xxx | 1700.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 1 | xxx | 3.50 |  | 12.67 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 239 | 17500.00 | 3 | 0.859721 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 4 |  | 3 |  | 4 |  | xxx | xxx | 0.494500 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.445200 | 0.445200 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 673353 | 1 | 1 | 0 | 7 | .00 | 1525.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx | .00 | .00 |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3 |  |  |  |  | 260 | 46919.00 | 2 | 0.385402 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 4 | 4 | 3 | 3 | 4 | 4 | xxx | xxx | 0.569300 |  | 1 | 1.000000 | xxx | xxx | xxx | 1 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.627800 | 0.627800 | .00 | 98 |  | 1 | 98 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 674024 | 1 | 1 | 0 | 6 | .00 | .00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | 9.00 |  |  | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 196 | 67734.00 | 4 | 0.044000 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 3 |  | 3 |  | 4 |  | xxx | xxx | 0.509000 |  | 1 | 1.000000 | xxx | xxx | xxx | 1 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.933200 | 0.933200 | .00 | 24 | 0.250000 | 1 | 24 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 688068 | 2 | 1 | 0 | 7 | .00 | 5524.20 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  | 40 | 45 | 0.022500 | 3 | 0.001250 | 120 | 0.050000 | 0.022500 | 12 | 0.020000 | 0.020000 | 0.095000 | 0.022500 |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 0 | xxx | .00 | .00 |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3 |  |  |  |  | 280 | 23000.00 | 1 | 0.098795 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 5 | 1 | 3 | 1 | 4 | 4 | xxx | xxx | 0.424100 | 0.052100 | 4 | 1.000000 | xxx | xxx | xxx | 7 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.350500 | 0.350500 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 672500 | 1 | 1 | 0 | 6 | .00 | 3251.00 | 0 | 0 | 0 | 1 | 1 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 2 | 1 | 1 | xxx | .08 |  |  | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 93 | 18128.00 | 3 | 0.961667 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 1 | 5 |  | 3 |  | 4 |  | xxx | xxx | 0.328800 |  | 1 | 0.000000 | xxx | xxx | xxx | 1 | 1 | xxx | xxx | 8 | xxx |  |  |  |  |  |  |  | 0.767300 | 0.767300 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 684423 | 1 | 1 | 0 | 7 | .00 | 769.23 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 0 | xxx | .00 | .00 |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3 |  |  |  |  | 493 | 3000.00 | 4 | 0.706818 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 4 | 4 | 3 | 3 | 4 | 4 | xxx | xxx | 0.223500 |  | 1 | 1.000000 | xxx | xxx | xxx | 1 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 1.036000 | 1.036000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 684136 | 1 | 1 | 0 | 9 | .00 | 67.39 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 3 | 1 | 0 | xxx | 1.69 |  | 1.00 | 2 | xxx |  | xxx |  |  |  |  | xxx |  | 1 |  |  |  |  | 271 | 47746.00 | 3 | 0.274629 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 1 |  | 1 |  | 4 |  | xxx | xxx | 0.000000 |  | 1 |  | xxx | xxx | xxx | 7 | 1 |  | xxx | 5 | xxx |  |  |  |  |  |  |  | 0.968500 | 0.968500 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 671584 | 1 | 1 | 0 | 9 | .00 | 2761.94 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 1 | xxx | 2.00 |  | 1.00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 71 | 43116.00 | 5 | 0.493667 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 5 |  | 3 |  | 4 |  | xxx | xxx | 0.435100 |  | 1 |  | xxx | xxx | xxx | 7 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.850000 | 0.850000 | .00 | 98 | 0.120000 | 1 | 98 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 670059 | 1 | 1 | 0 | 3 | xxx | 2062.50 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | 15.52 |  | 17.00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 287 | 17000.00 | 5 | 0.348052 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 5 |  | 3 |  | 1 |  | xxx | xxx | 0.347300 |  | 1 |  | xxx | xxx | xxx | 13 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.537200 | 0.537200 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 669363 | 1 | 1 | 0 | 3 | xxx | 1250.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 1 | xxx | 13.13 |  | 1.92 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 165 | 32500.00 | 1 | 0.669181 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 1 | 5 |  | 3 |  | 4 |  | xxx | xxx | 0.499000 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.772600 | 0.772600 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 676876 | 1 | 1 | 0 | 3 | xxx | 1250.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | 18.31 |  | 2.00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 193 | 21034.95 | 0 | 0.700000 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 5 |  | 3 |  | 1 |  | xxx | xxx | 0.345100 |  | 1 |  | xxx | xxx | xxx | 2 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.800000 | 0.800000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 667413 | 1 | 1 | 0 | 3 | xxx | 5408.63 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 180 | 180 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | 11.00 |  | 4.00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 127 | 3722.00 | 1 | 0.000000 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 5 |  | 3 |  | 1 |  | xxx | xxx | 0.317500 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.697700 | 0.697700 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 685884 | 1 | 1 | 0 | 1 | xxx | 1750.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 240 | 240 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 1 | xxx | 8.85 |  | 10.00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 234 | 10100.00 | 1 | 0.091527 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 1 | 5 |  | 3 |  | 1 |  | xxx | xxx | 0.471400 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.652200 | 0.652200 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 686996 | 1 | 1 | 0 | 7 | .00 | 6543.66 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 1 | xxx | 6.19 | 5.73 |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3 |  |  |  |  | 175 | 17500.00 | 9 | 0.169675 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 5 | 5 | 3 | 3 | 4 | 4 | xxx | xxx | 0.468500 |  | 1 | 1.000000 | xxx | xxx | xxx | 7 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.900000 | 0.900000 | .00 | 4 | 0.250000 | 2 | 4 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 679755 | 1 | 1 | 0 | 6 | .00 | 3127.19 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | 7.00 |  |  | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 40 | 6906.00 | 3 | 0.721667 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 5 |  | 3 |  | 4 |  | xxx | xxx | 0.557300 |  | 1 | 0.000000 | xxx | xxx | xxx | 1 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.950000 | 0.950000 | .00 | 98 | 0.300000 | 1 | 98 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 672589 | 1 | 1 | 0 | 3 | xxx | 8087.50 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx | 5.68 | 5.68 |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3 |  |  |  |  | 62 | 25000.00 | 4 | 0.822750 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 5 | 5 | 3 | 3 | 4 | 1 | xxx | xxx | 0.392500 |  | 1 |  | xxx | xxx | xxx | 1 | 2 |  | xxx | 3 | xxx |  |  | xxx | xxx | xxx |  |  | 0.750000 | 0.750000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 686145 | 1 | 1 | 0 | 3 | xxx | 3090.47 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | 6.00 |  | 7.00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 277 | 18700.00 | 9 | 0.864501 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 1 | 4 |  | 3 |  | 1 |  | xxx | xxx | 0.379300 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.750000 | 0.750000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 670845 | 1 | 1 | 0 | 6 | .00 | 1150.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 1 | xxx | 16.90 | 21.27 |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3 |  |  |  |  | 208 | 31422.00 | 5 | 0.686600 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 4 | 4 | 3 | 3 | 4 | 1 | xxx | xxx | 0.503500 |  | 1 | 1.000000 | xxx | xxx | xxx | 1 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.950000 | 0.950000 | .00 | 98 | 0.300000 | 1 | 98 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 679995 | 1 | 1 | 0 | 1 | xxx | 1596.40 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | .00 |  | 27.00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 156 | 30415.00 | 1 | 0.802588 | XXXXXXXXXXXX | 66 |  | xxx |  | xxx |  | xxx | xxx | 0 | 4 |  | 3 |  | 1 |  | xxx | xxx | 0.242300 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.461500 | 0.461500 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 684371 | 1 | 1 | 0 | 7 | .00 | 4366.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 1 | xxx | 2.00 |  |  | 2 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 700.00 | 1 | 0.220000 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 1 | 4 |  | 3 |  | 4 |  | xxx | xxx | 0.409500 |  | 1 | 1.000000 | xxx | xxx | xxx | 7 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.800000 | 0.800000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 685876 | 1 | 1 | 0 | 6 | .00 | 1281.33 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx | 1.00 |  |  | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 348 | 13000.00 | 3 | 0.140471 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 5 |  | 3 |  | 4 |  | xxx | xxx | 0.408100 |  | 1 | 1.000000 | xxx | xxx | xxx | 1 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.963400 | 0.963400 | .00 | 98 | 0.250000 | 1 | 98 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 669934 | 2 | 1 | 0 | 7 | .00 | 4354.94 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  | 40 | 45 | 0.037500 | 3 | 0.001250 | 60 | 0.020000 | 0.000000 | 12 | 0.020000 | 0.020000 | 0.098750 | 0.048750 |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 2 | 1 | 1 | xxx | 24.00 |  |  | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 221 | 52379.00 | 2 | 0.047962 | XXXXXXXXXXXX | 114 |  | xxx |  | xxx |  | xxx | xxx | 0 | 4 |  | 3 |  | 4 |  | xxx | xxx | 0.616600 | 0.056400 | 4 | 0.042040 | xxx | xxx | xxx | 7 | 1 | xxx | xxx | 3 | xxx |  |  | xxx | xxx | xxx |  |  | 0.680500 | 0.680500 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 680932 | 1 | 1 | 0 | 7 | .00 | 1514.50 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 2 | 1 | 0 | xxx | .00 |  |  | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 504 | 9204.00 | 3 | 0.213125 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 4 |  | 3 |  | 4 |  | xxx | xxx | 0.426500 |  | 1 | 1.000000 | xxx | xxx | xxx | 7 | 2 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.900000 | 0.900000 | .00 | 98 | 0.250000 | 1 | 98 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 685310 | 1 | 1 | 0 | 9 | .00 | 3419.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 2 | 1 | 1 | xxx | 33.00 |  | .00 | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 283 | 54674.00 | 8 | 0.340712 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 4 |  | 3 |  | 4 |  | xxx | xxx | 0.376700 |  | 1 |  | xxx | xxx | xxx | 1 | 1 |  | xxx | 3 | xxx |  |  | xxx | xxx | xxx |  |  | 0.800000 | 0.800000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 673311 | 1 | 1 | 0 | 6 | .00 | 1650.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 1 | xxx | 11.00 |  |  | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 113 | 28235.00 | 1 | 0.000000 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 1 | 4 |  | 3 |  | 4 |  | xxx | xxx | 0.454500 |  | 1 | 0.000000 | xxx | xxx | xxx | 7 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.800000 | 0.800000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 667143 | 1 | 1 | 0 | 6 | .00 | 801.95 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx | 2.02 | 14.61 |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3 |  |  |  |  | 246 | 18964.00 | 7 | 0.005405 | XXXXXXXXXXXX | 31 |  | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 4 | 4 | 3 | 3 | 4 | 1 | xxx | xxx | 0.498200 |  | 1 | 1.000000 | xxx | xxx | xxx | 7 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.865600 | 0.865600 | .00 | 98 |  | 1 | 98 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 679882 | 1 | 1 | 0 | 3 | xxx | 1696.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 240 | 240 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 0 | xxx | 24.00 | 9.00 | 18.00 | 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3 |  |  |  |  | 567 | 30000.00 | 2 | 0.740193 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1 | 5 | 5 | 3 | 3 | 3 | 3 | xxx | xxx | 0.466500 |  | 1 |  | xxx | xxx | xxx | 7 | 1 |  | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.447400 | 0.447400 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 688757 | 1 | 1 | 0 | 7 | .00 | .00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx | .00 | 5.74 |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3 |  |  |  |  | 282 | 84000.00 | 13 | 0.035543 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 1 | 5 | 1 | 3 | 1 | 4 | xxx | xxx | 0.328500 |  | 1 | 1.000000 | xxx | xxx | xxx | 1 | 3 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.750000 | 0.750000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 681098 | 1 | 1 | 0 | 7 | .00 | .00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 7 | 1 | 1 | xxx | 25.00 |  |  | 2 | xxx | xxx | xxx | xxx |  |  |  | xxx |  | 3 |  |  |  |  | 355 | 48057.00 | 6 | 0.172294 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx | xxx | 0 | 4 |  | 3 |  | 4 |  | xxx | xxx | 0.454500 |  | 1 | 1.000000 | xxx | xxx | xxx | 1 | 3 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.800000 | 0.800000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 672958 | 1 | 1 | 0 | 6 | .00 | 4442.50 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx | .00 | .00 |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3 |  |  |  |  | 535 | 14500.00 | 30 | 0.009015 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 4 | 4 | 3 | 3 | 4 | 4 | xxx | xxx | 0.540600 |  | 1 | 1.000000 | xxx | xxx | xxx | 1 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.780700 | 0.780700 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 672069 | 1 | 1 | 0 | 6 | .00 | 2252.28 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 | 0 | 0 |  | xxx | xxx | xxx | 19010101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx | 6.25 | 13.91 |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3 |  |  |  |  | 64 | 16878.00 | 4 | 0.000000 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 0 | 5 | 5 | 3 | 3 | 4 | 4 | xxx | xxx | 0.422400 |  | 1 | 1.000000 | xxx | xxx | xxx | 1 | 1 | xxx | xxx | 3 | xxx |  |  |  |  |  |  |  | 0.965000 | 0.965000 | .00 | 98 |  | 1 | 98 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** |
| 667489 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | No | No | No |  | Appendix Q Documentation | 559.76 |  | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 61.32% | 61.32% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Doc | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No | Closed End | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | .00 | xxx | 0 |  | 86.31 | N/A |
| 682553 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 6767 |  | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | Annually |  | 34.23% | 35.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 56.00 | xxx | 56 |  | 85 | N/A |
| 685361 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Qualifying DTI Exceeds 43% | 1931 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 42.03% | 42.03% | No |  | 1 | 1 |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Maintenance, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 7.00 | xxx | 7 |  | 68.97 | N/A |
| 683402 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 999 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | Monthly |  | 41.68% | 41.68% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No | N/A | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 2.00 | xxx | 2 |  | 95 | N/A |
| 683658 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | No | No | No |  | Appendix Q Documentation | 0 | xxx | xxx |  |  | No | xxx | $0.00 | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 0.00% | 0.00% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | ALT DOC | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - N/A \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 3.00 | xxx | 3 |  | 87.48 | N/A |
| 673275 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Qualifying DTI Exceeds 43% | 0 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | Monthly |  | 46.65% | 46.65% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 | 0 | 1 Month | NA |  | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 14.00 | xxx | 14 |  | 80 | N/A |
| 672900 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No |  | Appendix Q Documentation | 4171.75 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 56.15% | 56.15% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | 2+ Months | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 18.00 | xxx | 18 |  | 98.19 | N/A |
| 681039 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 2640.63 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | Monthly |  | 47.49% | 47.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 67 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, SECorporation, SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 12.00 | xxx | 12 |  | 45 | N/A |
| 670110 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Qualifying DTI Exceeds 43% | 8261.5 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 48.46% | 48.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 1 | 0 | NA | NA |  | 0 |  |  | 2 | 0 | 0 | 0 | 0 | 1 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Retirement - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No | HELOC | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 11.00 | xxx | 11 |  | 41.38 | N/A |
| 669662 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Qualifying DTI Exceeds 43% | 3156 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 49.24% | 49.24% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | 2+ Months | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 7.00 | xxx | 7 |  | 90 | N/A |
| 682752 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Qualifying DTI Exceeds 43% | 1495 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 44.45% | 44.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 | 0 | 1 Month | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 65.00 | xxx | 65 |  | 73.86 | N/A |
| 678670 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Qualifying DTI Exceeds 43% | 5071.44 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 46.17% | 46.17% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | ALT DOC | 1 | 0 | Less than 1 Month | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage, Commission - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 28.00 | xxx | 28 |  | 80 | N/A |
| 683661 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 1290 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 54.40% | 54.40% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Doc | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 1 | 0 | Yes | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Other REO Net Rental Income(Loss) - 1 YR Executed 4506T Verified, Award Letter Verified, Lease Agreements Verified | Borrower - 1 YR Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 28.00 | xxx | 28 |  | 80 | N/A |
| 678347 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 1320 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 47.03% | 47.03% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | xxx | xxx |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 2.00 | xxx | 2 |  | 96.15 | N/A |
| 681767 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 9718.5 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 45.84% | 45.84% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 1.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 2.00 | xxx | 2 |  | 76.83 | N/A |
| 671200 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 7413.38 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | Annually |  | 41.80% | 41.80% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 1 | 2 | 2+ Months | 2+ Months |  | 0 |  |  | 2 | 2 | 2 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 |  | N/A |  | 0 | Yes | 24 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - SEPartnership, SEPartnership, SEPartnership, Wage, SECorporation - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, Balance Sheet Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 12.00 | xxx | 12 |  | 75 | N/A |
| 685035 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | No | No | No |  | Appendix Q Documentation | 0 |  | xxx |  |  | No | xxx | $0.00 | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 48.49% | 48.49% | Yes | Yes | 4 |  | 5 |  | 3 |  | Employed | Employed | Self-Employed |  | 3.00 |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months |  | 0 |  |  | 2 | 0 | 2 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | Yes | 0 | 0 |  | Yes | 24 | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified \|\| Co Borrower 2 - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower 2 - 2 YRS Personal Tax Returns Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 150.00 | xxx | 150 |  | 80 | N/A |
| 685043 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Qualifying DTI Exceeds 43% | 4396.2 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 51.37% | 51.37% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA |  | 0 |  |  | 2 | 0 | 2 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | Yes | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified, 1040 Schedule E Verified \|\| Co Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 7.00 | xxx | 7 |  | 43.76 | N/A |
| 675020 | xxx |  | xxx |  | xxx | No |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | Appendix Q Documentation | 5463.52 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 52.15% | 52.15% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Doc | 1 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | Yes | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Retirement, Retirement - 1 YR W2 1099 Verified, Award Letter Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | .00 | xxx | 0 |  | 77.9 | N/A |
| 670805 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Qualifying DTI Exceeds 43% | 1315 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | Monthly |  | 49.85% | 49.85% | No |  | 1 | 1 |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 | 0 | NA | NA |  | 0 |  |  | 2 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 24 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 158.00 | xxx | 158 |  | 75 | N/A |
| 688515 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Qualifying DTI Exceeds 43% | 1700 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 49.45% | 49.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 | 0 | NA | NA |  | 0 |  |  | 2 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified | Borrower - 2 YRS Personal Tax Returns Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 41.00 | xxx | 41 |  | 44.52 | N/A |
| 673353 | xxx |  | xxx |  | xxx | No |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Qualifying DTI Exceeds 43% | 1525 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 56.93% | 56.93% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | ALT DOC | 0 | 0 | NA | NA |  | 0 |  |  | 2 | 0 | 2 | 0 | 0 | 0 | Yes | Yes | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - Other, SSI and Disability - 2 YRS Personal Tax Returns Verified, Award Letter Verified \|\| Co Borrower - Retirement, SSI and Disability - 2 YRS Personal Tax Returns Verified, Award Letter Verified | Borrower - 2 YRS Personal Tax Returns Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 112.00 | xxx | 112 |  | 62.78 | N/A |
| 674024 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 895 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 50.90% | 50.90% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 | 0 | 2+ Months | NA |  | 0 |  |  | 2 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | .00 | xxx | 0 |  | 93.32 | N/A |
| 688068 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 1190.2 |  | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx | xxx |  | Monthly |  | 42.41% | 40.41% | No | Unknown |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 2 | 0 | Yes | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - SSI and Disability, Other - 2 YRS Executed 4506T Verified, Award Letter Verified \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 100.00 | xxx | 100 |  | 35.05 | N/A |
| 672500 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 3251 | xxx | xxx |  |  | Yes | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 32.88% | 32.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 1 | 0 | 2+ Months | NA |  | 0 |  |  | 1 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage, SEPartnership, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 60.00 | xxx | 60 |  | 76.73 | N/A |
| 684423 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation |  | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 22.35% | 22.35% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | ALT DOC | 1 | 1 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - Retirement, SSI and Disability, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 1.00 | xxx | 1 |  | 103.6 | N/A |
| 684136 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation |  | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | Monthly |  | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Not Stated Not Verified | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Other | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 15.00 | xxx | 15 |  | 96.85 | N/A |
| 671584 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Qualifying DTI Exceeds 43% | 12691 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | Annually |  | 43.51% | 43.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 2 | 0 | Less than 1 Month | NA |  | 0 |  |  | 2 | 0 | 0 | 0 | 3 | 0 | Yes | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 144 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 2.00 | xxx | 2 |  | 85 | N/A |
| 670059 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 2062.5 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 34.73% | 34.73% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 6.00 | xxx | 6 |  | 53.72 | N/A |
| 669363 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 1250 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 49.90% | 49.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA |  | 0 |  |  | 2 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 5.00 | xxx | 5 |  | 77.26 | N/A |
| 676876 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 1250 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | Monthly |  | 34.51% | 34.51% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 11.00 | xxx | 11 |  | 80 | N/A |
| 667413 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 5408.63 |  | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 31.75% | 31.75% | No |  | 1 | 1 |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | 2+ Months | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 7.00 | xxx | 7 |  | 69.77 | N/A |
| 685884 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 1750 |  | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 47.14% | 47.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 | 0 | NA | NA |  | 0 |  |  | 2 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 26.00 | xxx | 26 |  | 65.22 | N/A |
| 686996 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 8863.54 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | Annually |  | 46.85% | 46.85% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 1 | 1 | Less than 1 Month | NA |  | 0 |  |  | 2 | 0 | 2 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 25.00% | 0.00% |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | Yes | 0 | 0 |  | Yes | 30 | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), SEPartnership - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 3.00 | xxx | 3 |  | 90 | N/A |
| 679755 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 3127.19 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 55.73% | 55.73% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 15.00 | xxx | 15 |  | 95 | N/A |
| 672589 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 8087.5 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 39.25% | 39.25% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month |  | 0 |  |  | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 7.00 | xxx | 7 |  | 75 | N/A |
| 686145 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 3090.47 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 37.93% | 37.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 | 0 | Less than 1 Month | NA |  | 0 |  |  | 1 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 21.00 | xxx | 21 |  | 75 | N/A |
| 670845 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Qualifying DTI Exceeds 43% | 1150 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 50.35% | 50.35% | No | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | ALT DOC | 0 | 0 | Less than 1 Month | Less than 1 Month |  | 0 |  |  | 2 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Audited | 6 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | Yes | 7 | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, SESoleProprietor, SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | .00 | xxx | 0 |  | 95 | N/A |
| 679995 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 1195 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 24.23% | 24.23% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Doc | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | Yes | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Retirement, Retirement - Award Letter Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | xxx | xxx |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | .00 | xxx | 0 |  | 46.15 | N/A |
| 684371 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 4366 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 40.95% | 40.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 | 0 | NA | NA |  | 0 |  |  | 2 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 35.00 | xxx | 35 |  | 80 | N/A |
| 685876 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 1281.33 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 40.81% | 40.81% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 |  | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 45.00 | xxx | 45 |  | 96.34 | N/A |
| 669934 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Qualifying DTI Exceeds 43% | 4354.94 |  | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | Monthly |  | 61.66% | 64.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 33.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | xxx | xxx |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 77.00 | xxx | 77 |  | 68.05 | N/A |
| 680932 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 1517.5 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | Annually |  | 42.65% | 42.65% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | ALT DOC | 1 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 2 | 0 | Yes | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 13.00 | xxx | 13 |  | 90 | N/A |
| 685310 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 18419 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 37.67% | 37.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 2 | 0 | 2+ Months | NA |  | 0 |  |  | 2 | 2 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 70.00% |  |  | Audited | 6 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage, SECorporation, SECorporation, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 |  | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 9.00 | xxx | 9 |  | 80 | N/A |
| 673311 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Qualifying DTI Exceeds 43% | 1650 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | Monthly |  | 45.45% | 45.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | ALT DOC | 2 | 0 | 2+ Months | NA |  | 0 |  |  | 1 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Wage, Wage, SESoleProprietor - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 40.00 | xxx | 40 |  | 80 | N/A |
| 667143 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 975 | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | Monthly |  | 49.82% | 49.82% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | Yes | 0 | 0 |  |  | 0 | 0 |  | No | 0 |  |  | Borrower - Commission - Written VOE Verified \|\| Co Borrower - Wage - null Written VOE Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | xxx | xxx | xxx |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | .00 | xxx | 0 |  | 86.56 | N/A |
| 679882 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Qualifying DTI Exceeds 43% | 1135 |  | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | Annually |  | 46.65% | 46.65% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | NA |  | 0 |  |  | 2 | 2 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - SSI and Disability, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - Wage, SSI and Disability - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 5.00 | xxx | 5 |  | 44.74 | N/A |
| 688757 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation |  |  | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 32.85% | 32.85% | Yes | Yes |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | Full Doc | 0 | 1 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  | 0.00% |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | Yes | 29 | 0 |  | No | 0 |  | N/A | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - Retirement, Wage - 1 YR W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 23.52 | xxx | 23.52 |  | 75 | N/A |
| 681098 | xxx |  | xxx |  | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation |  |  | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | $0.00 |  |  |  | 45.45% | 45.45% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 | 0 | NA | NA |  | 0 |  |  | 1 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 435.84 | xxx | 435.84 |  | 80 | N/A |
| 672958 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 1 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4442.5 | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 54.06% | 54.06% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - 2023 \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - 2023 | Borrower - 3 YRS Executed 4506T Verified - 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 2.14 | xxx | 2.14 | No | 78.07 | N/A |
| 672069 | xxx |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 1 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2252.28 | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 42.24% | 42.24% | 42.24% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 0 | 0 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 77 | 31 | Other | Yes | 168 | 30 | Work Number | No | 0 |  | N/A | Borrower - Wage - Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | 6.10 | xxx | 6.1 | No | 96.5 | N/A |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 667489 | xxx | D C A | Closed | FPRO1242 | 2022-05-02 07:54 | 2022-05-13 17:20 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/13/2022 <br> Open-Appraisal is Missing not found within documents however it was stated on pg. xxx that the property has a PIW. - Due Diligence Vendor-05/02/2022 |  | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/13/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.81% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 430941 |
| 667489 | xxx | D C A | Seller | FCRE1197 | 2022-05-04 16:01 | 2022-05-05 14:58 | Open | 3 - Material C | Credit | Eligibility | Audited FICO is less than Guideline FICO | Open-Audited FICO of xxx is less than Guideline FICO of 600 Audited FICO of xxx(pg. xxx) is less than Guideline FICO of 600 Lender guidelines confirm minimum credit score is 600 - did not locate exception documentation in doc package - Due Diligence Vendor-05/04/2022 |  |  | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.81% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 438545 |
| 667489 | xxx | D C A | Seller | FCRE1193 | 2022-05-05 14:58 | 2022-05-05 14:58 | Open | 3 - Material C | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Open-Audited DTI of 61.32% exceeds Guideline DTI of 55% Could not locate exception within the loan file. - Due Diligence Vendor-05/05/2022 |  |  | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.81% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 440695 |
| 682553 | xxx | C A | Seller | finding-3635 | 2022-05-11 12:43 | 2022-05-11 12:52 | Open | 3 - Material C | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Open-\*\*\*\*Lender to confirm if Saturday is a business day. - Due Diligence Vendor-05/11/2022 <br> Open-\*\*\*\*Lender to confirm if Saturday is a business day. - Due Diligence Vendor-05/11/2022 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-05/11/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.85% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56 Are Greater Than The Guideline Minimum Of 17 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 450504 |
| 682553 | xxx | C A | Seller | finding-3515 | 2022-05-11 12:43 | 2022-05-11 12:52 | Open | 3 - Material C | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Open-\*\*\*\*Lender to confirm if Saturday is a business day. - Due Diligence Vendor-05/11/2022 <br> Open-\*\*\*\*Lender to confirm if Saturday is a business day. - Due Diligence Vendor-05/11/2022 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-05/11/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.85% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56 Are Greater Than The Guideline Minimum Of 17 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 450505 |
| 682553 | xxx | C A | Seller | finding-3367 | 2022-05-11 12:43 | 2022-05-11 12:52 | Open | 2 - Non-Material B | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Open-\*\*\*\*Lender to confirm if Saturday is a business day. - Due Diligence Vendor-05/11/2022 <br>Open-\*\*\*\*Lender to confirm if Saturday is a business day. - Due Diligence Vendor-05/11/2022 <br>Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. \*\*\*\*Lender to confirm if Saturday is a business day. - Due Diligence Vendor-05/11/2022 <br>Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-05/11/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.85% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56 Are Greater Than The Guideline Minimum Of 17 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 450499 |
| 682553 | xxx | C A | Seller | finding-3631 | 2022-05-11 12:43 | 2022-05-11 12:52 | Open | 3 - Material C | Compliance | Points & Fees | Reimbursement Amount Validation Test | Open-\*\*\*\*Lender to confirm if Saturday is a business day. - Due Diligence Vendor-05/11/2022 <br>Open-\*\*\*\*Lender to confirm if Saturday is a business day. - Due Diligence Vendor-05/11/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/11/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.85% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56 Are Greater Than The Guideline Minimum Of 17 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 450501 |
| 682553 | xxx | C A | Seller | finding-3632 | 2022-05-11 12:43 | 2022-05-11 12:52 | Open | 3 - Material C | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Open-\*\*\*\*Lender to confirm if Saturday is a business day. - Due Diligence Vendor-05/11/2022 <br>Open-\*\*\*\*Lender to confirm if Saturday is a business day. - Due Diligence Vendor-05/11/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/11/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.85% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56 Are Greater Than The Guideline Minimum Of 17 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 450502 |
| 682553 | xxx | C A | Seller | finding-3634 | 2022-05-11 12:43 | 2022-05-11 12:52 | Open | 3 - Material C | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Open-\*\*\*\*Lender to confirm if Saturday is a business day. - Due Diligence Vendor-05/11/2022 <br> Open-\*\*\*\*Lender to confirm if Saturday is a business day. - Due Diligence Vendor-05/11/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/11/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.85% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56 Are Greater Than The Guideline Minimum Of 17 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 450503 |
| 682553 | xxx | C A | Seller | FCRE1196 | 2022-05-04 15:09 | 2022-05-05 10:25 | Open | 3 - Material C | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Open-Audited HCLTV of 85% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-05/04/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.85% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56 Are Greater Than The Guideline Minimum Of 17 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 438245 |
| 682553 | xxx | C A | Seller | FCRE1195 | 2022-05-04 15:09 | 2022-05-05 10:25 | Open | 3 - Material C | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Open-Audited CLTV of 85% exceeds Guideline CLTV of 75% - Due Diligence Vendor-05/04/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.85% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56 Are Greater Than The Guideline Minimum Of 17 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 438239 |
| 682553 | xxx | C A | Seller | FCRE1194 | 2022-05-04 15:09 | 2022-05-05 10:25 | Open | 3 - Material C | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Open-Audited LTV of 85% exceeds Guideline LTV of 75% - Due Diligence Vendor-05/04/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.85% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56 Are Greater Than The Guideline Minimum Of 17 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 438240 |
| 685361 | xxx | C A | Seller | FCRE1167 | 2022-05-05 10:29 | 2022-05-05 15:16 | Open | 3 - Material C | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-05/05/2022 |  |  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.97% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.97% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.03% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 439587 |
| 683402 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 683658 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 673275 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 672900 | xxx | C B A | Seller | FCOM1266 | 2022-05-06 10:17 | 2022-05-06 18:15 | Open | 2 - Non-Material B | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Open-Homeownership Counseling Disclosure Is Missing Homeownership disclosure was not found in the file - Due Diligence Vendor-05/06/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 442033 |
| 672900 | xxx | C B A | Seller | FCRE1195 | 2022-05-06 08:29 | 2022-05-06 15:03 | Open | 3 - Material C | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Open-Audited CLTV of 98.19% exceeds Guideline CLTV of 95% - Due Diligence Vendor-05/06/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 441611 |
| 672900 | xxx | C B A | Seller | FCRE1194 | 2022-05-06 08:29 | 2022-05-06 15:03 | Open | 3 - Material C | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Open-Audited LTV of 98.19% exceeds Guideline LTV of 95% - Due Diligence Vendor-05/06/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 441612 |
| 672900 | xxx | C B A | Seller | FCRE1193 | 2022-05-06 08:29 | 2022-05-06 15:03 | Open | 3 - Material C | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Open-Audited DTI of 56.15% exceeds Guideline DTI of 55%. Calculated income was less then lenders. - Due Diligence Vendor-05/09/2022 <br>Open-Audited DTI of 56.24% exceeds Guideline DTI of 55% - Due Diligence Vendor-05/06/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 441613 |
| 672900 | xxx | C B A | Seller | FCRE1196 | 2022-05-06 08:29 | 2022-05-06 15:03 | Open | 3 - Material C | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Open-Audited HCLTV of 98.19% exceeds Guideline HCLTV of 95% - Due Diligence Vendor-05/06/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 441618 |
| 681039 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 670110 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 669662 | xxx | C A | Closed | finding-14 | 2022-05-05 14:22 | 2022-05-19 12:04 | Acknowledged | 2 - Non-Material C B | Compliance | Points & Fees | TILA APR Test | Acknowledged-Client accepts finding as it is past statute of limitations. - Due Diligence Vendor-05/19/2022 <br> Open-This loan failed the TILA APR test.<br> (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) <br> The annual percentage rate (APR) is 6.124%. The disclosed APR of xxx% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. - Due Diligence Vendor-05/05/2022 |  | Acknowledged-Client accepts finding as it is past statute of limitations. - Due Diligence Vendor-05/19/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.24% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 440524 |
| 669662 | xxx | C A | Seller | finding-651 | 2022-05-05 14:22 | 2022-05-10 11:17 | Open | 3 - Material C | Compliance | Points & Fees | TILA Finance Charge Test | Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate because it is understated by more than $100. \*\*\*\*According to Itemization of Amount Financed several fees were excluded from Finance Charges. Excluded fees include Processing, Underwriting, Settlement, Attorney Fee and others. - Due Diligence Vendor-05/10/2022 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-05/05/2022 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.24% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 440526 |
| 669662 | xxx | C A | Seller | finding-3632 | 2022-05-05 14:22 | 2022-05-09 08:53 | Open | 3 - Material C | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*Credit Report Fee (xxx) and Transfer Taxes (xxx) increased. COC located in file xxx and xxx but valid Redisclosure was not located in file. - Due Diligence Vendor-05/09/2022 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/05/2022 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.24% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 440522 |
| 669662 | xxx | C A | Seller | finding-3631 | 2022-05-05 14:22 | 2022-05-09 08:53 | Open | 3 - Material C | Compliance | Points & Fees | Reimbursement Amount Validation Test | Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*Credit Report Fee (xxx) and Transfer Taxes (xxx) increased. COC located in file xxx and xxx but valid Redisclosure was not located in file. - Due Diligence Vendor-05/09/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/05/2022 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.24% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 440521 |
| 669662 | xxx | C A | Seller | finding-3634 | 2022-05-05 14:22 | 2022-05-09 08:52 | Open | 3 - Material C | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*Credit Report Fee (xxx) and Transfer Taxes (xxx) increased. COC located in file xxx and xxx but valid Redisclosure was not located in file. - Due Diligence Vendor-05/09/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/05/2022 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.24% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 440523 |
| 669662 | xxx | C A | Seller | finding-3542 | 2022-05-05 14:22 | 2022-05-05 14:22 | Open | 3 - Material C | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-05/05/2022 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.24% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 440520 |
| 682752 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 678670 | xxx | C A | Seller | finding-3634 | 2022-05-09 11:48 | 2022-05-10 14:26 | Open | 3 - Material C | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*fee increase in section A without evidence of coc or lc to cover increase - Due Diligence Vendor-05/09/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/09/2022 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 46.17% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 445504 |
| 678670 | xxx | C A | Seller | finding-3632 | 2022-05-09 11:48 | 2022-05-10 14:25 | Open | 3 - Material C | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*fee increase in section A without evidence of coc or lc to cover increase - Due Diligence Vendor-05/10/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/09/2022 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 46.17% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 445503 |
| 678670 | xxx | C A | Seller | finding-3631 | 2022-05-09 11:48 | 2022-05-10 14:24 | Open | 3 - Material C | Compliance | Points & Fees | Reimbursement Amount Validation Test | Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*fee increase in section A without evidence of coc or lc to cover increase - Due Diligence Vendor-05/10/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/09/2022 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 46.17% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 445502 |
| 683661 | xxx | D A | Seller | FCOM1797 | 2022-05-11 11:09 | 2022-05-11 16:34 | Open | 3 - Material D | Compliance | Missing Doc | Service Provider List is Missing | Open-Service Provider List is missing - Due Diligence Vendor-05/11/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28 Are Greater Than The Guideline Minimum Of 1 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 98% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.34% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 98% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 450145 |
| 683661 | xxx | D A | Seller | FCOM1229 | 2022-05-03 11:25 | 2022-05-11 15:24 | Open | 3 - Material D | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Open-1-4 Family Rider is Missing not found within documents - Due Diligence Vendor-05/03/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28 Are Greater Than The Guideline Minimum Of 1 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 98% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.34% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 98% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 434737 |
| 678347 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 681767 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 671200 | xxx | D A | Seller | FCOM1274 | 2022-05-11 16:06 | 2022-05-12 11:50 | Open | 3 - Material D | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Open-Escrow Waiver is Missing - Due Diligence Vendor-05/11/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 98% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.8% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 98% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 451174 |
| 685035 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 685043 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 675020 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 670805 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 688515 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 673353 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 674024 | xxx | D C B A | Closed | FCRE1964 | 2022-05-06 16:48 | 2022-05-19 16:31 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing income documentation | Acknowledged-Public assistance approval provided with initial monthly assistance amount. - Due Diligence Vendor-05/19/2022 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/19/2022 <br> Open-Lender calculated additional 'other' income for Public Assistance - was not able to find income docs for this in doc package. Additional income is for Public Assistance Monthly pay is $xxx, grossed up by 25% = $xxx. [Located on page xxx] - Due Diligence Vendor-05/06/2022 |  | Acknowledged-Public assistance approval provided with initial monthly assistance amount. - Due Diligence Vendor-05/19/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 50.9% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 444030 |
| 674024 | xxx | D C B A | Closed | FCOM7646 | 2022-05-13 17:12 | 2022-05-19 16:30 | Resolved | 1 - Information A | Compliance | QM-ATR | Originator QM Designation Differs From Final QM Status | Resolved-Originator QM Designation Of Non-QM: Lender documented all ATR UW factors Matches Final QM Status Of Non-QM: Lender documented all ATR UW factors - Due Diligence Vendor-05/19/2022 <br>Counter-File contains a copy of the initial public assistance income approval letter, however while Note for second lien grant was provided, missing updated monthly assistance letter confirming the final stipend amount as used in qualifying. Instructions provided indicate that the Authority is to be kept apprised on the process and therefore a revised approval should have been provided. Final Designation pending receipt of further documentation. - Due Diligence Vendor-05/19/2022 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-05/19/2022 <br>Open-Originator QM Designation Of Non-QM: Lender documented all ATR UW factors Differs From Final QM Status Of ATR/QM: Status Pending. Pending income documentation. - Due Diligence Vendor-05/13/2022 |  | Resolved-Originator QM Designation Of Non-QM: Lender documented all ATR UW factors Matches Final QM Status Of Non-QM: Lender documented all ATR UW factors - Due Diligence Vendor-05/19/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 50.9% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 455792 |
| 674024 | xxx | D C B A | Seller | finding-3631 | 2022-05-06 18:05 | 2022-05-09 12:33 | Open | 3 - Material C | Compliance | Points & Fees | Reimbursement Amount Validation Test | Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*Credit report fee (376) increased. COC located in file xxx. The revised Closing Disclosure was not located in file - Due Diligence Vendor-05/09/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/06/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 50.9% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 444182 |
| 674024 | xxx | D C B A | Seller | finding-3632 | 2022-05-06 18:05 | 2022-05-09 12:33 | Open | 3 - Material C | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*Credit report fee (xxx) increased. COC located in file xxx8. The revised Closing Disclosure was not located in file - Due Diligence Vendor-05/09/2022 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/06/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 50.9% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 444183 |
| 674024 | xxx | D C B A | Seller | finding-3634 | 2022-05-06 18:05 | 2022-05-09 12:33 | Open | 3 - Material C | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*Credit report fee (xxx) increased. COC located in file 2/28/2018. The revised Closing Disclosure was not located in file - Due Diligence Vendor-05/09/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/06/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 50.9% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 444184 |
| 688068 | xxx | D A | Seller | FCOM1231 | 2022-05-03 14:19 | 2022-05-13 17:04 | Open | 3 - Material D | Compliance | Missing Doc | The Initial 1003 is Missing | Open-Missing 1003 - Due Diligence Vendor-05/13/2022 <br>Acknowledged-The Initial 1003 is Missing Only copies of the 1003 Final are found - Due Diligence Vendor-05/03/2022 |  | Acknowledged-The Initial 1003 is Missing Only copies of the 1003 Final are found - Due Diligence Vendor-05/03/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.05% Is Below The Guideline Maximum Of 98% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.41% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 35.05% Is Below the Guideline Maximum Of 98% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 435425 |
| 688068 | xxx | D A | Seller | FCOM1273 | 2022-05-10 15:26 | 2022-05-10 15:26 | Open | 3 - Material C | Compliance | Disclosures (Federal, State, and Data Dependent) | CHARM Booklet Not Provided Within 3 Days of Application Date | Open-CHARM Booklet Not Provided Within 3 Days of Application Date \*\*\*CHARM Booklet Tracking indicates it was delivered xxx. COC indicating when loan changed from Fixed to ARM not located in file - Due Diligence Vendor-05/10/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.05% Is Below The Guideline Maximum Of 98% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.41% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 35.05% Is Below the Guideline Maximum Of 98% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 448865 |
| 688068 | xxx | D A | Seller | FCOM1270 | 2022-05-10 15:26 | 2022-05-10 15:26 | Open | 3 - Material C | Compliance | Disclosures (Federal, State, and Data Dependent) | ARM Disclosure Not Provided Within 3 Days of Application Date | Open-ARM Disclosure Not Provided Within 3 Days of Application Date \*\*\*ARM Disclosure signed xxx - Due Diligence Vendor-05/10/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.05% Is Below The Guideline Maximum Of 98% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.41% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 35.05% Is Below the Guideline Maximum Of 98% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 448866 |
| 688068 | xxx | D A | Seller | finding-56 | 2022-05-06 11:56 | 2022-05-06 11:56 | Open | 2 - Non-Material B | Compliance | State Reg | Late Fees Test | Open-This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, xxx® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. - Due Diligence Vendor-05/06/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.05% Is Below The Guideline Maximum Of 98% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.41% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 35.05% Is Below the Guideline Maximum Of 98% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 442597 |
| 672500 | xxx | B A | Closed | FPRO1498 | 2022-05-12 13:08 | 2022-05-12 13:08 | Acknowledged | 1 - Information B | Property | Appraisal | Subject loan closed with an approved appraisal waiver | Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/12/2022 |  | Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/12/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 76.73% Is Below The Guideline Maximum Of 98% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.88% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 76.73% Is Below the Guideline Maximum Of 98% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 452769 |
| 684423 | xxx | C A | Closed | finding-14 | 2022-05-11 11:40 | 2022-05-19 12:04 | Acknowledged | 2 - Non-Material C B | Compliance | Points & Fees | TILA APR Test | Acknowledged-Client accepts finding as it is past statute of limitations. - Due Diligence Vendor-05/19/2022 <br> Open-This loan failed the TILA APR test.<br> (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) <br> The annual percentage rate (APR) is xxx%. The disclosed APR of xxx% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. - Due Diligence Vendor-05/11/2022 |  | Acknowledged-Client accepts finding as it is past statute of limitations. - Due Diligence Vendor-05/19/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 450242 |
| 684423 | xxx | C A | Seller | finding-3542 | 2022-05-11 11:47 | 2022-05-11 11:47 | Open | 3 - Material C | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-05/11/2022 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 450278 |
| 684423 | xxx | C A | Seller | finding-651 | 2022-05-11 11:40 | 2022-05-11 11:40 | Open | 3 - Material C | Compliance | Points & Fees | TILA Finance Charge Test | Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-05/11/2022 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 450243 |
| 684423 | xxx | C A | Seller | FCRE1196 | 2022-05-09 09:31 | 2022-05-10 10:36 | Open | 3 - Material C | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Open-Audited HCLTV of 103.6% exceeds Guideline HCLTV of 98% - Due Diligence Vendor-05/09/2022 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 444872 |
| 684423 | xxx | C A | Seller | FCRE1195 | 2022-05-09 09:31 | 2022-05-10 10:36 | Open | 3 - Material C | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Open-Audited CLTV of 103.6% exceeds Guideline CLTV of 98% - Due Diligence Vendor-05/09/2022 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 444867 |
| 684423 | xxx | C A | Seller | FCRE1194 | 2022-05-09 09:31 | 2022-05-10 10:36 | Open | 3 - Material C | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Open-Audited LTV of 103.6% exceeds Guideline LTV of 98% - Due Diligence Vendor-05/09/2022 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 444868 |
| 684423 | xxx | C A | Seller | finding-2686 | 2022-05-09 13:14 | 2022-05-09 13:14 | Open | 3 - Material C | Compliance | Points & Fees | Loan Origination Fee Test | Open-This loan failed the loan origination fee test. (VA Pamphlet 26-7, Chapter 8.02, VA State Deviation Chart (5/23/2017))The loan charges the veteran a loan origination fee and/or unauthorized fees, the total of which exceeds 1% of the loan amount, or 1% of the unpaid principal balance if the loan is an Interest Rate Reduction Refinance Loan (IRRRL).In addition to certain itemized fees and charges designated by VA guidelines, the lender may charge the veteran a flat charge not to exceed 1%. The lender's maximum allowable flat charge of 1% is intended to cover all of the lender's costs and services which are not reimbursable as "itemized fees and charges."The seller, lender, or any other party may pay fees and charges, including discount points, on behalf of the borrower. VA regulations limit charges "made against or paid by" the borrower. They do not limit the payment of fees and charges by other parties. - Due Diligence Vendor-05/09/2022 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 445861 |
| 684136 | xxx | C A | Seller | finding-651 | 2022-05-11 15:51 | 2022-05-11 16:07 | Open | 3 - Material C | Compliance | Points & Fees | TILA Finance Charge Test | Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $xxx. The disclosed finance charge of $xxx7 is not considered accurate because it is understated by more than $100. \*\*\*\*It appears that a portion of the Origination Fee (5000) was excluded from Finance Charges. - Due Diligence Vendor-05/11/2022 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-05/11/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 451133 |
| 684136 | xxx | C A | Seller | finding-2504 | 2022-05-11 15:51 | 2022-05-11 16:07 | Open | 3 - Material C | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate for purposes of rescission because it is understated by more than $35. \*\*\*\*It appears that a portion of the Origination Fee (5000) was excluded from Finance Charges. - Due Diligence Vendor-05/11/2022 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-05/11/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 451132 |
| 684136 | xxx | C A | Seller | FCRE6389 | 2022-05-10 17:00 | 2022-05-10 17:00 | Open | 3 - Material C | Credit | Eligibility | Credit score not provided | Open-Per Guidelines at least two Credit scores should be provided and only one was provided - Due Diligence Vendor-05/10/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 449126 |
| 671584 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 670059 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 669363 | xxx | C A | Seller | FCRE1167 | 2022-05-09 14:53 | 2022-05-09 17:50 | Open | 3 - Material C | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-05/09/2022 |  |  | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 77.26% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.9% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 77.26% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 446350 |
| 676876 | xxx | D A | Seller | FCOM4028 | 2022-05-04 10:15 | 2022-05-11 12:32 | Open | 3 - Material D | Compliance | Missing Doc - Closing Package | Missing evidence Mortgage/Deed of Trust will be recorded | Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2022 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.51% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 436817 |
| 667413 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 685884 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 686996 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 679755 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 672589 | xxx | D A | Seller | FCOM1262 | 2022-05-11 14:31 | 2022-05-12 10:43 | Open | 3 - Material D | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Open-Right of Rescission is Missing \*\*\*\*\*Right of Rescission not located in the file - Due Diligence Vendor-05/11/2022 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.06% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | 450855 |
| 672589 | xxx | D A | Seller | finding-3536 | 2022-05-11 14:32 | 2022-05-11 14:32 | Open | 3 - Material C | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i))The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-05/11/2022 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.06% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | 450860 |
| 686145 | xxx | C A | Seller | finding-2504 | 2022-05-11 13:16 | 2022-05-12 17:01 | Open | 3 - Material C | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate for purposes of rescission because it is understated by more than $35. \*\*\*\*\*\*\*\*It appears that the Processing Fee (xxx) was excluded from Finance Charge Calculations. - Due Diligence Vendor-05/12/2022 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-05/11/2022 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.93% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 450617 |
| 686145 | xxx | C A | Seller | finding-651 | 2022-05-11 13:16 | 2022-05-12 17:01 | Open | 3 - Material C | Compliance | Points & Fees | TILA Finance Charge Test | Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate because it is understated by more than $100. \*\*\*\*\*\*\*\*It appears that the Processing Fee (850) was excluded from Finance Charge Calculations. - Due Diligence Vendor-05/12/2022 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-05/11/2022 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.93% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 450622 |
| 670845 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 679995 | xxx | C A | Seller | FCRE1198 | 2022-05-07 16:35 | 2022-05-13 12:11 | Open | 3 - Material C | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Open-Audited Reserves of are less than Guideline Required Reserves of 2 - Due Diligence Vendor-05/07/2022 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.23% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.15% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.15% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 444350 |
| 684371 | xxx | B C A | Seller | FCRE1500 | 2022-05-27 14:43 | 2022-05-27 14:43 | Open | 3 - Material A C | Credit | Borrower | Borrower Identification Documentation Missing | Open-Borrower 1 SSN is showing three different numbers across various aspects of the file. 1003 and 4506 shows one number, 1008 and credit report show a second number, and the tax returns/transcripts show a third number. - Due Diligence Vendor-05/27/2022 |  |  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 475546 |
| 684371 | xxx | B C A | Seller | FCOM1266 | 2022-05-10 14:17 | 2022-05-11 12:59 | Open | 2 - Non-Material B | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-05/10/2022 |  |  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 448622 |
| 685876 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 669934 | xxx | D C A | Seller | FCOM1266 | 2022-05-06 15:41 | 2022-05-09 12:59 | Open | 2 - Non-Material B | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-05/06/2022 |  |  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.05% Is Below the Guideline Maximum Of 100% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.05% Is Below The Guideline Maximum Of 98% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 443714 |
| 669934 | xxx | D C A | Seller | FCOM1270 | 2022-05-09 12:59 | 2022-05-09 12:59 | Open | 3 - Material C | Compliance | Disclosures (Federal, State, and Data Dependent) | ARM Disclosure Not Provided Within 3 Days of Application Date | Open-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-05/09/2022 |  |  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.05% Is Below the Guideline Maximum Of 100% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.05% Is Below The Guideline Maximum Of 98% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 445789 |
| 669934 | xxx | D C A | Seller | FCRE1193 | 2022-05-06 14:19 | 2022-05-09 09:55 | Open | 3 - Material C | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Open-Audited DTI of 61.66% exceeds Guideline DTI of 60% Audited DTI of 61.66% exceeds Guideline DTI of 60% - Due Diligence Vendor-05/06/2022 |  |  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.05% Is Below the Guideline Maximum Of 100% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.05% Is Below The Guideline Maximum Of 98% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 443272 |
| 669934 | xxx | D C A | Seller | FCOM1797 | 2022-05-06 15:43 | 2022-05-06 15:43 | Open | 3 - Material D | Compliance | Missing Doc | Service Provider List is Missing | Open- - Due Diligence Vendor-05/06/2022 |  |  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.05% Is Below the Guideline Maximum Of 100% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.05% Is Below The Guideline Maximum Of 98% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 443727 |
| 680932 | xxx | C A | Seller | finding-651 | 2022-05-09 09:40 | 2022-05-10 11:57 | Open | 3 - Material C | Compliance | Points & Fees | TILA Finance Charge Test | Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-05/09/2022 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate because it is understated by more than $100. \*\*\*It appears that the Escrow Fee was not included in Finance Charge - Due Diligence Vendor-05/10/2022 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.65% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 90% Is Below the Guideline Maximum Of 100% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 444925 |
| 685310 | xxx | D C A | Seller | FCOM1262 | 2022-05-11 16:16 | 2022-05-12 15:25 | Open | 3 - Material D | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Open-Right of Rescission is Missing Right To Cancel document not located in file - Due Diligence Vendor-05/11/2022 |  |  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Limited Cash Out - >2% of Loan Amount or $2000 | N/A | N/A | 451219 |
| 685310 | xxx | D C A | Seller | finding-47 | 2022-05-11 16:29 | 2022-05-12 15:24 | Open | 3 - Material C | Compliance | Right to Rescind | TILA Right of Rescission Test | Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*It appears that as of the final CD the disbursement date is xxx and does not adhere to the 3 day cooling period required for Primary Residence Refinances. - Due Diligence Vendor-05/12/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-05/11/2022 |  |  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Limited Cash Out - >2% of Loan Amount or $2000 | N/A | N/A | 451283 |
| 685310 | xxx | D C A | Seller | FCRE1193 | 2022-05-10 17:31 | 2022-05-12 12:20 | Open | 3 - Material C | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Open-Audited DTI of 74.28% exceeds Guideline DTI of 60% Audited DTI of 70.41% exceeds Guideline DTI of 60% Audited DTI of 76.37% exceeds Guideline DTI of 60% there is no documentation provided that explains the income that is found on the final 1008/final application - Due Diligence Vendor-05/10/2022 |  |  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Limited Cash Out - >2% of Loan Amount or $2000 | N/A | N/A | 449225 |
| 673311 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 667143 | xxx | C A | Seller | FPRO1136 | 2022-05-02 11:47 | 2022-05-09 14:52 | Open | 3 - Material C | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-05/02/2022 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 46.53% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 431972 |
| 679882 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 688757 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 681098 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 672958 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 672069 | xxx | C A | Seller | finding-3652 | 2024-06-04 17:17 | 2024-06-04 18:08 | Open | 3 - Material C | Compliance | TRID | Lender Credits That Cannot Decrease Test | Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\* Lender credit for increase in recording fee decreased by $xxx from Initial CD to Final CD. Per TRID regulations, lender credits cannot be reduced without a valid COC - reduction of recording costs does not constitute a valid COC, - Due Diligence Vendor-06/04/2024 |  |  | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.91 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.24% Is Less Than The Guideline Maximum Of 60% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 1785421 |

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|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 667489 | xxx |  | xxx C A D |
| 682553 | xxx |  | xxx C A |
| 685361 | xxx |  | xxx C A |
| 683402 | xxx |  | xxx A |
| 683658 | xxx |  | xxx A |
| 673275 | xxx |  | xxx A |
| 672900 | xxx |  | xxx C B A |
| 681039 | xxx |  | xxx A |
| 670110 | xxx |  | xxx A |
| 669662 | xxx |  | xxx A C |
| 682752 | xxx |  | xxx A |
| 678670 | xxx |  | xxx A C |
| 683661 | xxx |  | xxx A D |
| 678347 | xxx |  | xxx A |
| 681767 | xxx |  | xxx A |
| 671200 | xxx |  | xxx A D |
| 685035 | xxx |  | xxx A |
| 685043 | xxx |  | xxx A |
| 675020 | xxx |  | xxx A |
| 670805 | xxx |  | xxx A |
| 688515 | xxx |  | xxx A |
| 673353 | xxx |  | xxx A |
| 674024 | xxx |  | xxx D C A B |
| 688068 | xxx |  | xxx A D |
| 672500 | xxx |  | xxx A B |
| 684423 | xxx |  | xxx C A |
| 684136 | xxx |  | xxx C A |
| 671584 | xxx |  | xxx A |
| 670059 | xxx |  | xxx A |
| 669363 | xxx |  | xxx C A |
| 676876 | xxx |  | xxx A D |
| 667413 | xxx |  | xxx A |
| 685884 | xxx |  | xxx A |
| 686996 | xxx |  | xxx A |
| 679755 | xxx |  | xxx A |
| 672589 | xxx |  | xxx A D |
| 686145 | xxx |  | xxx A C |
| 670845 | xxx |  | xxx A |
| 679995 | xxx |  | xxx C A |
| 684371 | xxx |  | xxx A B C |
| 685876 | xxx |  | xxx A |
| 669934 | xxx |  | xxx C D A |
| 680932 | xxx |  | xxx A C |
| 685310 | xxx |  | xxx C D A |
| 673311 | xxx |  | xxx A |
| 667143 | xxx |  | xxx A C |
| 679882 | xxx |  | xxx A |
| 688757 | xxx |  | xxx A |
| 681098 | xxx |  | xxx A |
| 672958 | xxx |  | xxx A |
| 672069 | xxx |  | xxx A C |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 667489 | xxx |  | xxx | xxx |  |  | xxx | xxx | Broker Price Opinion (BPO) | xxx | 73.81 | 86.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 682553 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 85 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 685361 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 68.97 | 68.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 683402 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1073 Individual Condo Report | xxx | 95 | 99.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 683658 | xxx |  | xxx | xxx |  |  | xxx | xxx |  | xxx | 87.48 | 87.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 673275 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1073 Individual Condo Report | xxx | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 672900 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 98.19 | 98.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 681039 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1073 Individual Condo Report | xxx | 45 | 45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 670110 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 41.38 | 44.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 669662 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 90 | 90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 682752 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 73.86 | 73.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 678670 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 |  | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 683661 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 678347 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 96.15 | 96.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 681767 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 76.83 | 76.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 671200 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 685035 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 685043 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 43.76 | 43.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 675020 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 77.9 | 77.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 670805 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-03-2018 |
| 688515 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 44.52 | 44.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 673353 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 62.78 | 62.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 674024 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 93.32 | 93.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 688068 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 35.05 | 35.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 672500 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | None - Appraisal Waiver | xxx | 76.73 | 76.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 684423 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 103.6 | 103.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 684136 | xxx |  | xxx | xxx |  |  | xxx | xxx | 2055 Exterior Only Inspection Report | xxx | 96.85 | 96.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 671584 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 85 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 670059 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 53.72 | 53.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 669363 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 77.26 | 77.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 676876 | xxx |  | xxx | xxx |  |  | xxx | xxx | 2090 Individual Coop Report | xxx | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 667413 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 69.77 | 69.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 685884 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 65.22 | 65.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 686996 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 90 | 90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 679755 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 95 | 95 | xxx | 0 |  | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 672589 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 | xxx | 0 |  | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2 | xxx |
| 686145 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 670845 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 95 | 95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 679995 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 46.15 | 46.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 684371 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 685876 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 96.34 | 96.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 669934 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 68.05 | 68.05 | xxx | 0 |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 680932 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 90 | 90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 685310 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | 0 |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 673311 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 667143 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 86.56 | 86.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 679882 | xxx |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 44.74 | 44.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 688757 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 681098 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 672958 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 78.07 | 78.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 672069 | xxx |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 96.5 | 96.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 667489 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Retired |  | No |  | No |  |
| 682553 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  |  |  |
| 685361 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | No | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 683402 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 683658 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Not Employed | No | No | No |  |
| 673275 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 672900 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  |  |  |
| 681039 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 670110 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 669662 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 682752 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 678670 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 683661 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Retired |  | No |  | No |  |
| 678347 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  |  |  |
| 681767 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 671200 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No |  |
| 685035 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Yes | Yes | Yes | N/A | Employed | Employed | No | No | No |  |
| 685043 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Employed | Employed | No | No | No |  |
| 675020 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Retired |  | No |  | No |  |
| 670805 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 688515 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 673353 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Retired | Retired | No | No | No |  |
| 674024 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Employed |  | No |  | No |  |
| 688068 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No |  |  |  |
| 672500 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 684423 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | N/A | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Retired | Retired | No | No | No |  |
| 684136 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | N/A | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | No |  |
| 671584 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 670059 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 669363 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 676876 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 667413 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 685884 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 686996 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No |  |
| 679755 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
| 672589 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No |  |
| 686145 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 670845 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No |  |
| 679995 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Retired |  | No |  | No |  |
| 684371 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 685876 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 669934 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 680932 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Retired |  | No |  | No |  |
| 685310 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 673311 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 667143 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No |  |
| 679882 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No |  |
| 688757 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No |  | No | No |  | No | No | No | No |  | xxx | xxx | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed | Employed | No | No | No |  |
| 681098 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | Yes |  | No | No |  | No | No | No | No |  | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | Yes | N/A |
| 672958 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Retired | Retired | No | No | No |  |
| 672069 |  | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | N/A | Employed | Employed | No | No | No |  |

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|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 682553 | xxx |  | xxx | First Interest Rate Change Date | xxx | xxx |  |
| 685035 | xxx |  | xxx | First Interest Rate Change Date | xxx | xxx |  |
| 688068 | xxx |  | xxx | First Interest Rate Change Date | xxx | xxx |  |
| 669934 | xxx |  | xxx | First Interest Rate Change Date | xxx | xxx |  |
| 667489 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 682553 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 685361 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 683658 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 673275 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 672900 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 681039 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 669662 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 682752 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 678670 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 683661 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 681767 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 671200 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 685035 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 670805 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 688515 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 673353 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 674024 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 688068 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 672500 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 684423 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 684136 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 671584 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 670059 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 669363 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 676876 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 667413 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 685884 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 686996 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 679755 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 686145 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 670845 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 679995 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 685876 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 680932 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 685310 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 673311 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 667143 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 679882 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 688757 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 681098 | xxx |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 676876 | xxx |  | xxx | Property Type | Cooperative | Condominium |  |
| 683402 | xxx |  | xxx | Qualifying LTV | 99.75 | 95.00 |  |
| 670110 | xxx |  | xxx | Qualifying LTV | 44.74 | 41.38 |  |
| 674024 | xxx |  | xxx | Qualifying LTV | 93.32 | 103.84 |  |
| 671200 | xxx |  | xxx | Qualifying FICO | xxx | xxx |  |
| 685035 | xxx |  | xxx | Qualifying FICO | xxx | xxx |  |
| 685043 | xxx |  | xxx | Qualifying FICO | xxx | xxx |  |
| 688068 | xxx |  | xxx | Qualifying FICO | xxx | xxx |  |
| 667489 | xxx |  | xxx | Qualifying LTV | 73.81 | 227.12 |  |
| 672900 | xxx |  | xxx | Qualifying LTV | 98.19 | 96.50 |  |
| 673353 | xxx |  | xxx | Qualifying LTV | 62.78 | 61.70 |  |
| 684423 | xxx |  | xxx | Qualifying LTV | 103.6 | 100.00 |  |

---

## Exhibit 99.7

**Exhibit 99.7**

![](tm2520117d1_ex99-7img001.jpg)

NYMT 2025-CP1

New York Mortgage Trust, Inc.

Opus Capital Markets Consultants, LLC

&nbsp;&nbsp;300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**July 7, 2025**

**Performed by**

**Opus Capital Markets Consultants, LLC**

**For**

**New York Mortgage Trust, Inc.**

The report summarizes the results of a quality control ("QC") due diligence review performed on a pool of **880** loans by Opus Capital Markets Consultants, LLC ("Consultant") on behalf of New York Mortgage Trust, Inc. ("Client").

Consultant performed the QC review of two prior securitization reviews completed by the Recovco Mortgage Management LLC ("Recovco) on behalf of New York Mortgage Trust, Inc. ("Client"). This population comprised **866** seasoned loans in which a credit and compliance review was conducted. The population includes **59** unvalidated exceptions that Consultant was unable to confirm how the exception was resolved.

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

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

Consultant performed a due diligence on behalf of New York Mortgage Trust, Inc. ("Client"). This population comprised **8** seasoned loans in which a compliance review was conducted.

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

Consultant performed a due diligence on behalf of New York Mortgage Trust, Inc. ("Client"). This population comprised **6** seasoned loans in which a credit and compliance review was conducted.

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

The reports summarize the results of a due diligence QC review performed on a pool of **866** loans, which were provided by New York Mortgage Trust, Inc. ("Client") who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which 100% of the loan population was chosen.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

f) **Value Review:** The Consultant shall review the final value report to verify that all required secondary values are included
and that each meets the minimum threshold of ten percent (10%). The Consultant shall also confirm that the valuation process adheres to
the prescribed value hierarchy (value waterfall) as set forth in applicable guidelines and meet securitization standards.

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

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

**Document Review**

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

**a) Collateral Docs**

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

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

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

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

**b) Closing Docs**

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

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

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

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

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

**c) Credit Docs**

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

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

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

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

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

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

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

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

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

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

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

**<u>Not applicable as loans do not meet US regulatory compliance requirements as originated outside of the United States.</u>**

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8
rescission notice. Consultant will note in the condition whether there was a new advance that is subject to rescission per TILA/Regulation
Z. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

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

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

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

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

**Additional Disclosures and Requirements:**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**<u>Not applicable as loans do not meet US regulatory compliance requirements as originated outside of the United States.</u>**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;**6.** **Flood Insurance Testing** 

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the Second Street guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;**7.** **Misrepresentation and Third-Party Review** 

If applicable per guidelines, validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will
utilize reasonable efforts to validate the consistency of signatures across documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant
will utilize reasonable review of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency of data.

&nbsp;&nbsp;&nbsp;&nbsp;· Third Party Fraud Tools: To the extent a third-party fraud tool is contained in the loan file, the Consultant will ensure high level
or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third-party valuation product was required and if required, that the third-party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses,
and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property
and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;· Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor does not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;· The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional
Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed
do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the
valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying
property.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations,
and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

**<u>Not applicable as loans originated outside of the United States.</u>**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· Property appears to be occupied

&nbsp;&nbsp;&nbsp;&nbsp;**8.** **Data Compare** 

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance where applicable based on asset / loan type:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;**9.** **Opus Grading Criteria** 

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without
exception.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there
are sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and
there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material
deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal
process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material
deficiencies exist with respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades**

**<u>Not applicable as loans do not meet US regulatory compliance requirements as originated outside of the United States.</u>**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of
work.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance, but such issues do not represent
risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work
or the loan is missing material documentation.

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

**Scope of Services:**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Engagement Specific ATR Waterfall Review Instructions**

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

- Review Lenders ATR Worksheet

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

- Capture and Report Loan Type from 1008

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Waterfall**

Recovco will not complete the valuation waterfall.

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

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

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

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

**COMPLIANCE REVIEW SCOPE**

Each mortgage loan file was tested for compliance with the federal Truth in Lending Act ("TILA"), as well as federal, state and local anti-predatory lending statutes. An overview of the federal, state and local lending laws tested is listed below.

The Section 32/HOEPA review included, but was not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Rate test

&nbsp;&nbsp;&nbsp;&nbsp;· HPML test, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;· Points and Fees test

&nbsp;&nbsp;&nbsp;&nbsp;· Review of Section 32 disclosure for accuracy (i.e. payment stream, highest payment scenario; dates
disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;· Review and confirmation of documentation type (i.e. full, stated, no ratio)

&nbsp;&nbsp;&nbsp;&nbsp;· Review for evidence of prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of Debt-to-Income conformity, when necessary.

The Federal Truth in Lending Act/Regulation Z review includes, but is not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;· A review of the material compliance disclosures set forth in the Truth in Lending Disclosure and the Notice
of Right to Cancel form, if applicable. A review of the final TIL with a report outlining any TILA violations. Re-calculation of
disclosed finance charge, proper execution by all required parties, principal and interest calculations, payment stream(s), recalculation
of disclosed APR, and a review to ensure disclosure differences are within the allowed tolerances. A review of the Notice of Right to
Cancel: verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required
parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s).

The fee entry process was performed utilizing a hierarchy approach based upon documents available within the loan file. The ideal loan file included a Final HUD-1, of which the fees directly from this document would be used within Compliance testing. In the event a Final HUD-1 was not present in the file, a finding was raised for the missing document and alternative documentation was sought for fee entry. The alternative documentation would have been utilized based on the following order of importance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Final HUD-1 that is missing signature and/or not stamped true/certified.

ii) Estimated HUD-1; or

iii) Title Company Closing Statement.

High Cost - State & Local Anti-Predatory Regulations: In addition to federal thresholds, the Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW:

⮚ Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

⮚ California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

⮚ Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq. and as amended by Senate Bill 216 (2007) and House Bill 1322 (2007).

⮚ Colorado Consumer Credit Code, Colo. Rev. Stat. 5-1-101 et seq.

⮚ Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, Conn. House Bill 5577 (2008).

⮚ District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

⮚ Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq.

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

⮚ Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

⮚ Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq.

⮚ Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003).

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

⮚ Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007).

⮚ Indiana Home Loan Practices Act, Ind. Code § 24-9-1 et seq.

⮚ Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. § 16a-1-101 et seq. 16. Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq. and as amended by Kentucky House Bill 552 (2008).

⮚ Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007).

⮚ Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

⮚ Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387 (2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183(C).

⮚ Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

⮚ Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

⮚ Minnesota Mortgage Originator and Servicer Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

⮚ Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.

⮚ Nevada Anti-Predatory Lending Law, Nev. Rev. Stat. § 598D.010 et seq. and as amended by AB 440.

⮚ New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

⮚ New Mexico Home Loan Protection Act, N.M. Stat. Ann. § 58-21A-1 et seq. and as amended by Senate Bill 342 (2009).

⮚ New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

⮚ New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).<sup>2</sup>

⮚ North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a) and as amended by House Bill 1817 (2007).

⮚ Ohio Anti-Predatory Lending Statute, Ohio Rev. Code Ann. § 1.63 and as amended by S.B. 185.

⮚ City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

⮚ Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

⮚ Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

⮚ City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.

⮚ Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., including the Emergency and Final Regulations.

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

⮚ South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq

⮚ Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

⮚ Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq. <sup>3</sup>

⮚ Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

⮚ Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

⮚ Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

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

⮚ Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

⮚ Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

⮚ Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202.

⮚ West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

⮚ Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

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

**Credit Review**

Credit Qualification

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

**Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

**Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

**Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

**Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

**Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

**Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

**Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

**Credit History:** Review the credit report to verify that the borrower(s) demonstrates adequate credit depth to comply with the Client provided underwriting guideline requirements.

**Credit Scores**: Verify that borrower(s) meets minimum credit score requirements of the Client provided underwriting guidelines.

**Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review**

**Document Review**

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

**a) Collateral Docs**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by
all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of
the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was
sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is
not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded
mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

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

**b) Closing Docs**

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

&nbsp;&nbsp;&nbsp;&nbsp;· Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness
of required data and that all required signatures are present.

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution
of the Notice of Right to Cancel.

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

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

**c) Credit Docs**

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

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

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

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

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

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

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

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

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

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

**Regulatory Compliance**

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The "material" <sup>4</sup> disclosure requirements of
the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA")
and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including the material
provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions
of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq;
and as amended by the TILA-RESPA Integrated Disclosure ("TRID") Rule, as set forth below:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided with the Form H-8
rescission notice. Consultant will note in the condition whether there was a new advance that is subject to rescission per TILA/Regulation
Z. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

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

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

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

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

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

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

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

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

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

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

<sup>4</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning And Certain Compliance Exceptions** 

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

**Additional Disclosures and Requirements:**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**High-Cost, State & Local Anti-Predatory Regulations**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as
NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and
as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41
as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

&nbsp;&nbsp;&nbsp;&nbsp;· North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory
Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio
Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma
Consumer Credit Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and
Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

&nbsp;&nbsp;&nbsp;&nbsp;· South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422;
6.1-428.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended),
Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600
et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· Washington House Bill 2770, Mortgage Lending Ownership

&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wyoming Credit Code

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business, commercial or agricultural purposes

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower
has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will
utilize reasonable efforts to validate the consistency of signatures across documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant
will utilize reasonable review of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency of data.

&nbsp;&nbsp;&nbsp;&nbsp;· Third Party Fraud Tools: To the extent a third-party fraud tool is contained in the loan file, the Consultant will ensure high level
or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third-party valuation product was required and if required, that the third-party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses,
and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property
and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;· Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor does not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;· The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional
Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed
do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the
valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying
property.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations,
and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without
exception.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there
are sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and
there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material
deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal
process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material
deficiencies exist with respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of
work.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance, but such issues do not represent
risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work
or the loan is missing material documentation.

**REDACTED INFORMATION**

&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City, County, MSA and Zip

&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major
highways)

**<u>Pool Details</u>**

![](tm2520117d1_ex99-7img002.jpg)

**<u>Recovco Tape Discrepancies (866 loans)</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;ARM Index Margin Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.88% |
| &nbsp;&nbsp;B1 Citizenship Status` | &nbsp;&nbsp;5 | &nbsp;&nbsp;99.42% |
| &nbsp;&nbsp;B1 SSN | &nbsp;&nbsp;90 | &nbsp;&nbsp;89.61% |
| &nbsp;&nbsp;B2 SSN | &nbsp;&nbsp;33 | &nbsp;&nbsp;96.19% |
| &nbsp;&nbsp;Borrower #2 First Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;Borrower #2 Last Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;637 | &nbsp;&nbsp;26.44% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;99.31% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;11 | &nbsp;&nbsp;98.73% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;26 | &nbsp;&nbsp;97.00% |
| &nbsp;&nbsp;Lender Doc Type | &nbsp;&nbsp;12 | &nbsp;&nbsp;98.61% |
| &nbsp;&nbsp;Lien Priority Type | &nbsp;&nbsp;22 | &nbsp;&nbsp;97.46% |
| &nbsp;&nbsp;Lifetime Downward Rate Change Cap | &nbsp;&nbsp;21 | &nbsp;&nbsp;97.58% |
| &nbsp;&nbsp;MI Coverage Amount | &nbsp;&nbsp;29 | &nbsp;&nbsp;96.65% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;8 | &nbsp;&nbsp;99.08% |
| &nbsp;&nbsp;Occupancy at Origination (Propery Usage) | &nbsp;&nbsp;25 | &nbsp;&nbsp;97.11% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;78 | &nbsp;&nbsp;90.99% |
| &nbsp;&nbsp;Original Balance (or Line Amount) | &nbsp;&nbsp;3 | &nbsp;&nbsp;99.65% |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;171 | &nbsp;&nbsp;80.25% |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;98.73% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;171 | &nbsp;&nbsp;80.25% |
| &nbsp;&nbsp;Original Stated P&I | &nbsp;&nbsp;4 | &nbsp;&nbsp;99.54% |
| &nbsp;&nbsp;Property Address Street | &nbsp;&nbsp;20 | &nbsp;&nbsp;97.69% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;3 | &nbsp;&nbsp;99.65% |
| &nbsp;&nbsp;Property Postal Code | &nbsp;&nbsp;8 | &nbsp;&nbsp;99.08% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.77% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;99.65% |
| &nbsp;&nbsp;QM Status 2 | &nbsp;&nbsp;56 | &nbsp;&nbsp;93.53% |
| &nbsp;&nbsp;Rate Adjustment Seubsequent Cap Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.88% |
| &nbsp;&nbsp;Representative Score | &nbsp;&nbsp;67 | &nbsp;&nbsp;92.26% |
| &nbsp;&nbsp;Sales Price (HUD-1 Line 101) | &nbsp;&nbsp;88 | &nbsp;&nbsp;89.84% |
| &nbsp;&nbsp;Stated Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.77% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**866** |  |

---

**<u>Opus Tape Discrepancies (8 loans)</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;1 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**8** |  |

---

**<u>Opus Tape Discrepancies (6 loans)</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**6** |  |

---

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;This includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;This includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Value is within a 10% variance of third-party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Origination value and third-party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal, but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes **Recovco** final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated July 3, 2025.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Recovco Overall Grade Summary (866 loans)** | &nbsp;&nbsp;**Recovco Overall Grade Summary (866 loans)** | |
| &nbsp;&nbsp;**DBRS and Fitch NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | <br>&nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;459 | &nbsp;&nbsp;53.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;100 | &nbsp;&nbsp;11.55% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;307 | &nbsp;&nbsp;35.45% |
| &nbsp;&nbsp;**Recovco Compliance Grade Summary (866 loans)** | &nbsp;&nbsp;**Recovco Compliance Grade Summary (866 loans)** | &nbsp;&nbsp;**Recovco Compliance Grade Summary (866 loans)** |
| &nbsp;&nbsp;**DBRS and Fitch NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;634 | &nbsp;&nbsp;73.21% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;104 | &nbsp;&nbsp;12.01% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;128 | &nbsp;&nbsp;14.78% |
| &nbsp;&nbsp;**Recovco Credit Grade Summary (866 loans)** | &nbsp;&nbsp;**Recovco Credit Grade Summary (866 loans)** |  |
| &nbsp;&nbsp;**DBRS and Fitch NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;664 | &nbsp;&nbsp;76.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;35 | &nbsp;&nbsp;4.04% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;167 | &nbsp;&nbsp;19.29% |
| &nbsp;&nbsp;**Recovco Property Grade Summary (866 loans)** | &nbsp;&nbsp;**Recovco Property Grade Summary (866 loans)** |  |
| &nbsp;&nbsp;**DBRS and Fitch NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;684 | &nbsp;&nbsp;78.98% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;50 | &nbsp;&nbsp;5.78% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;125 | &nbsp;&nbsp;14.43% |

---

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated July 3, 2025.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Opus Compliance Grade Summary (8 loans)** | | |
| &nbsp;&nbsp;**DBRS and Fitch NRSRO Grade** | <br>&nbsp;&nbsp;**# of<br> Loans** | <br>&nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;1 | &nbsp;&nbsp;12.50% |

---

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated July 3, 2025.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Opus Overall Grade Summary (6 loans)** | &nbsp;&nbsp;**Opus Overall Grade Summary (6 loans)** | |
| &nbsp;&nbsp;**DBRS and Fitch NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | <br>&nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;4 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;2 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**Opus Compliance Grade Summary (6 loans)** | &nbsp;&nbsp;**Opus Compliance Grade Summary (6 loans)** |  |
| &nbsp;&nbsp;**DBRS and Fitch NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Opus Credit Grade Summary (6 loans)** |  |  |
| &nbsp;&nbsp;**DBRS and Fitch NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;3 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;2 | &nbsp;&nbsp;33.33% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Opus Property Grade Summary (6 loans)** | &nbsp;&nbsp;**Opus Property Grade Summary (6 loans)** | |
| &nbsp;&nbsp;**DBRS and Fitch NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | <br>&nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;3 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Opus Loans Reviewed (8 loans)</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;20250626002 | &nbsp;&nbsp;20250626011 |
| &nbsp;&nbsp;20250626006 | &nbsp;&nbsp;20250626012 |
| &nbsp;&nbsp;20250626008 | &nbsp;&nbsp;20250626013 |
| &nbsp;&nbsp;20250626009 | &nbsp;&nbsp;20250626014 |

---

**<u>Opus Loans Reviewed (6 loans)</u>**

20250707001 <u>20250707003</u> <br> <u>20250707001</u> <u>20250707003</u> <br> <u>20250707003</u> <u>20250707004</u>

**<u>Recovco Loans Reviewed (866 loans)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;20250626016 | &nbsp;&nbsp;20250626147 | &nbsp;&nbsp;20250626276 | &nbsp;&nbsp;20250626405 | &nbsp;&nbsp;20250626538 | &nbsp;&nbsp;20250626671 | &nbsp;&nbsp;20250626802 |
| &nbsp;&nbsp;20250626017 | &nbsp;&nbsp;20250626148 | &nbsp;&nbsp;20250626277 | &nbsp;&nbsp;20250626406 | &nbsp;&nbsp;20250626539 | &nbsp;&nbsp;20250626672 | &nbsp;&nbsp;20250626803 |
| &nbsp;&nbsp;20250626018 | &nbsp;&nbsp;20250626149 | &nbsp;&nbsp;20250626278 | &nbsp;&nbsp;20250626407 | &nbsp;&nbsp;20250626540 | &nbsp;&nbsp;20250626673 | &nbsp;&nbsp;20250626804 |
| &nbsp;&nbsp;20250626019 | &nbsp;&nbsp;20250626150 | &nbsp;&nbsp;20250626279 | &nbsp;&nbsp;20250626408 | &nbsp;&nbsp;20250626541 | &nbsp;&nbsp;20250626674 | &nbsp;&nbsp;20250626805 |
| &nbsp;&nbsp;20250626020 | &nbsp;&nbsp;20250626151 | &nbsp;&nbsp;20250626280 | &nbsp;&nbsp;20250626409 | &nbsp;&nbsp;20250626542 | &nbsp;&nbsp;20250626675 | &nbsp;&nbsp;20250626806 |
| &nbsp;&nbsp;20250626021 | &nbsp;&nbsp;20250626152 | &nbsp;&nbsp;20250626281 | &nbsp;&nbsp;20250626410 | &nbsp;&nbsp;20250626543 | &nbsp;&nbsp;20250626676 | &nbsp;&nbsp;20250626807 |
| &nbsp;&nbsp;20250626022 | &nbsp;&nbsp;20250626153 | &nbsp;&nbsp;20250626282 | &nbsp;&nbsp;20250626411 | &nbsp;&nbsp;20250626544 | &nbsp;&nbsp;20250626677 | &nbsp;&nbsp;20250626808 |
| &nbsp;&nbsp;20250626023 | &nbsp;&nbsp;20250626154 | &nbsp;&nbsp;20250626283 | &nbsp;&nbsp;20250626412 | &nbsp;&nbsp;20250626545 | &nbsp;&nbsp;20250626678 | &nbsp;&nbsp;20250626809 |
| &nbsp;&nbsp;20250626025 | &nbsp;&nbsp;20250626155 | &nbsp;&nbsp;20250626284 | &nbsp;&nbsp;20250626413 | &nbsp;&nbsp;20250626546 | &nbsp;&nbsp;20250626679 | &nbsp;&nbsp;20250626810 |
| &nbsp;&nbsp;20250626026 | &nbsp;&nbsp;20250626156 | &nbsp;&nbsp;20250626285 | &nbsp;&nbsp;20250626414 | &nbsp;&nbsp;20250626548 | &nbsp;&nbsp;20250626680 | &nbsp;&nbsp;20250626811 |
| &nbsp;&nbsp;20250626028 | &nbsp;&nbsp;20250626157 | &nbsp;&nbsp;20250626286 | &nbsp;&nbsp;20250626415 | &nbsp;&nbsp;20250626549 | &nbsp;&nbsp;20250626681 | &nbsp;&nbsp;20250626812 |
| &nbsp;&nbsp;20250626029 | &nbsp;&nbsp;20250626158 | &nbsp;&nbsp;20250626288 | &nbsp;&nbsp;20250626416 | &nbsp;&nbsp;20250626550 | &nbsp;&nbsp;20250626682 | &nbsp;&nbsp;20250626813 |
| &nbsp;&nbsp;20250626030 | &nbsp;&nbsp;20250626159 | &nbsp;&nbsp;20250626289 | &nbsp;&nbsp;20250626417 | &nbsp;&nbsp;20250626551 | &nbsp;&nbsp;20250626683 | &nbsp;&nbsp;20250626814 |
| &nbsp;&nbsp;20250626031 | &nbsp;&nbsp;20250626160 | &nbsp;&nbsp;20250626290 | &nbsp;&nbsp;20250626418 | &nbsp;&nbsp;20250626552 | &nbsp;&nbsp;20250626684 | &nbsp;&nbsp;20250626815 |
| &nbsp;&nbsp;20250626032 | &nbsp;&nbsp;20250626161 | &nbsp;&nbsp;20250626291 | &nbsp;&nbsp;20250626419 | &nbsp;&nbsp;20250626553 | &nbsp;&nbsp;20250626685 | &nbsp;&nbsp;20250626816 |
| &nbsp;&nbsp;20250626033 | &nbsp;&nbsp;20250626162 | &nbsp;&nbsp;20250626292 | &nbsp;&nbsp;20250626420 | &nbsp;&nbsp;20250626554 | &nbsp;&nbsp;20250626686 | &nbsp;&nbsp;20250626817 |
| &nbsp;&nbsp;20250626034 | &nbsp;&nbsp;20250626163 | &nbsp;&nbsp;20250626294 | &nbsp;&nbsp;20250626421 | &nbsp;&nbsp;20250626555 | &nbsp;&nbsp;20250626687 | &nbsp;&nbsp;20250626818 |
| &nbsp;&nbsp;20250626035 | &nbsp;&nbsp;20250626164 | &nbsp;&nbsp;20250626295 | &nbsp;&nbsp;20250626422 | &nbsp;&nbsp;20250626556 | &nbsp;&nbsp;20250626688 | &nbsp;&nbsp;20250626820 |
| &nbsp;&nbsp;20250626036 | &nbsp;&nbsp;20250626165 | &nbsp;&nbsp;20250626296 | &nbsp;&nbsp;20250626423 | &nbsp;&nbsp;20250626557 | &nbsp;&nbsp;20250626689 | &nbsp;&nbsp;20250626821 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;20250626037 | &nbsp;&nbsp;20250626166 | &nbsp;&nbsp;20250626297 | &nbsp;&nbsp;20250626424 | &nbsp;&nbsp;20250626558 | &nbsp;&nbsp;20250626690 | &nbsp;&nbsp;20250626822 |
| &nbsp;&nbsp;20250626038 | &nbsp;&nbsp;20250626167 | &nbsp;&nbsp;20250626298 | &nbsp;&nbsp;20250626425 | &nbsp;&nbsp;20250626559 | &nbsp;&nbsp;20250626691 | &nbsp;&nbsp;20250626823 |
| &nbsp;&nbsp;20250626039 | &nbsp;&nbsp;20250626168 | &nbsp;&nbsp;20250626299 | &nbsp;&nbsp;20250626426 | &nbsp;&nbsp;20250626560 | &nbsp;&nbsp;20250626692 | &nbsp;&nbsp;20250626824 |
| &nbsp;&nbsp;20250626040 | &nbsp;&nbsp;20250626169 | &nbsp;&nbsp;20250626300 | &nbsp;&nbsp;20250626428 | &nbsp;&nbsp;20250626561 | &nbsp;&nbsp;20250626693 | &nbsp;&nbsp;20250626825 |
| &nbsp;&nbsp;20250626041 | &nbsp;&nbsp;20250626170 | &nbsp;&nbsp;20250626301 | &nbsp;&nbsp;20250626429 | &nbsp;&nbsp;20250626562 | &nbsp;&nbsp;20250626694 | &nbsp;&nbsp;20250626826 |
| &nbsp;&nbsp;20250626042 | &nbsp;&nbsp;20250626171 | &nbsp;&nbsp;20250626302 | &nbsp;&nbsp;20250626430 | &nbsp;&nbsp;20250626563 | &nbsp;&nbsp;20250626695 | &nbsp;&nbsp;20250626827 |
| &nbsp;&nbsp;20250626043 | &nbsp;&nbsp;20250626172 | &nbsp;&nbsp;20250626303 | &nbsp;&nbsp;20250626431 | &nbsp;&nbsp;20250626564 | &nbsp;&nbsp;20250626696 | &nbsp;&nbsp;20250626828 |
| &nbsp;&nbsp;20250626044 | &nbsp;&nbsp;20250626173 | &nbsp;&nbsp;20250626304 | &nbsp;&nbsp;20250626432 | &nbsp;&nbsp;20250626565 | &nbsp;&nbsp;20250626697 | &nbsp;&nbsp;20250626829 |
| &nbsp;&nbsp;20250626045 | &nbsp;&nbsp;20250626174 | &nbsp;&nbsp;20250626305 | &nbsp;&nbsp;20250626433 | &nbsp;&nbsp;20250626566 | &nbsp;&nbsp;20250626698 | &nbsp;&nbsp;20250626830 |
| &nbsp;&nbsp;20250626046 | &nbsp;&nbsp;20250626175 | &nbsp;&nbsp;20250626306 | &nbsp;&nbsp;20250626434 | &nbsp;&nbsp;20250626567 | &nbsp;&nbsp;20250626699 | &nbsp;&nbsp;20250626831 |
| &nbsp;&nbsp;20250626047 | &nbsp;&nbsp;20250626176 | &nbsp;&nbsp;20250626307 | &nbsp;&nbsp;20250626435 | &nbsp;&nbsp;20250626568 | &nbsp;&nbsp;20250626700 | &nbsp;&nbsp;20250626832 |
| &nbsp;&nbsp;20250626048 | &nbsp;&nbsp;20250626177 | &nbsp;&nbsp;20250626308 | &nbsp;&nbsp;20250626436 | &nbsp;&nbsp;20250626569 | &nbsp;&nbsp;20250626701 | &nbsp;&nbsp;20250626833 |
| &nbsp;&nbsp;20250626049 | &nbsp;&nbsp;20250626178 | &nbsp;&nbsp;20250626309 | &nbsp;&nbsp;20250626437 | &nbsp;&nbsp;20250626570 | &nbsp;&nbsp;20250626702 | &nbsp;&nbsp;20250626834 |
| &nbsp;&nbsp;20250626050 | &nbsp;&nbsp;20250626179 | &nbsp;&nbsp;20250626310 | &nbsp;&nbsp;20250626438 | &nbsp;&nbsp;20250626571 | &nbsp;&nbsp;20250626703 | &nbsp;&nbsp;20250626835 |
| &nbsp;&nbsp;20250626051 | &nbsp;&nbsp;20250626180 | &nbsp;&nbsp;20250626311 | &nbsp;&nbsp;20250626439 | &nbsp;&nbsp;20250626572 | &nbsp;&nbsp;20250626704 | &nbsp;&nbsp;20250626836 |
| &nbsp;&nbsp;20250626052 | &nbsp;&nbsp;20250626181 | &nbsp;&nbsp;20250626313 | &nbsp;&nbsp;20250626441 | &nbsp;&nbsp;20250626573 | &nbsp;&nbsp;20250626705 | &nbsp;&nbsp;20250626837 |
| &nbsp;&nbsp;20250626053 | &nbsp;&nbsp;20250626182 | &nbsp;&nbsp;20250626314 | &nbsp;&nbsp;20250626442 | &nbsp;&nbsp;20250626574 | &nbsp;&nbsp;20250626706 | &nbsp;&nbsp;20250626838 |
| &nbsp;&nbsp;20250626054 | &nbsp;&nbsp;20250626183 | &nbsp;&nbsp;20250626315 | &nbsp;&nbsp;20250626444 | &nbsp;&nbsp;20250626575 | &nbsp;&nbsp;20250626707 | &nbsp;&nbsp;20250626839 |
| &nbsp;&nbsp;20250626055 | &nbsp;&nbsp;20250626184 | &nbsp;&nbsp;20250626316 | &nbsp;&nbsp;20250626445 | &nbsp;&nbsp;20250626576 | &nbsp;&nbsp;20250626708 | &nbsp;&nbsp;20250626840 |
| &nbsp;&nbsp;20250626056 | &nbsp;&nbsp;20250626185 | &nbsp;&nbsp;20250626317 | &nbsp;&nbsp;20250626446 | &nbsp;&nbsp;20250626577 | &nbsp;&nbsp;20250626709 | &nbsp;&nbsp;20250626841 |
| &nbsp;&nbsp;20250626057 | &nbsp;&nbsp;20250626186 | &nbsp;&nbsp;20250626318 | &nbsp;&nbsp;20250626447 | &nbsp;&nbsp;20250626579 | &nbsp;&nbsp;20250626710 | &nbsp;&nbsp;20250626842 |
| &nbsp;&nbsp;20250626058 | &nbsp;&nbsp;20250626187 | &nbsp;&nbsp;20250626319 | &nbsp;&nbsp;20250626448 | &nbsp;&nbsp;20250626580 | &nbsp;&nbsp;20250626711 | &nbsp;&nbsp;20250626843 |
| &nbsp;&nbsp;20250626059 | &nbsp;&nbsp;20250626188 | &nbsp;&nbsp;20250626320 | &nbsp;&nbsp;20250626450 | &nbsp;&nbsp;20250626581 | &nbsp;&nbsp;20250626712 | &nbsp;&nbsp;20250626844 |
| &nbsp;&nbsp;20250626060 | &nbsp;&nbsp;20250626189 | &nbsp;&nbsp;20250626321 | &nbsp;&nbsp;20250626451 | &nbsp;&nbsp;20250626582 | &nbsp;&nbsp;20250626713 | &nbsp;&nbsp;20250626845 |
| &nbsp;&nbsp;20250626061 | &nbsp;&nbsp;20250626190 | &nbsp;&nbsp;20250626322 | &nbsp;&nbsp;20250626452 | &nbsp;&nbsp;20250626583 | &nbsp;&nbsp;20250626714 | &nbsp;&nbsp;20250626846 |
| &nbsp;&nbsp;20250626062 | &nbsp;&nbsp;20250626191 | &nbsp;&nbsp;20250626323 | &nbsp;&nbsp;20250626453 | &nbsp;&nbsp;20250626584 | &nbsp;&nbsp;20250626715 | &nbsp;&nbsp;20250626847 |
| &nbsp;&nbsp;20250626063 | &nbsp;&nbsp;20250626192 | &nbsp;&nbsp;20250626324 | &nbsp;&nbsp;20250626454 | &nbsp;&nbsp;20250626585 | &nbsp;&nbsp;20250626716 | &nbsp;&nbsp;20250626848 |
| &nbsp;&nbsp;20250626064 | &nbsp;&nbsp;20250626193 | &nbsp;&nbsp;20250626325 | &nbsp;&nbsp;20250626455 | &nbsp;&nbsp;20250626586 | &nbsp;&nbsp;20250626717 | &nbsp;&nbsp;20250626849 |
| &nbsp;&nbsp;20250626065 | &nbsp;&nbsp;20250626195 | &nbsp;&nbsp;20250626326 | &nbsp;&nbsp;20250626456 | &nbsp;&nbsp;20250626587 | &nbsp;&nbsp;20250626718 | &nbsp;&nbsp;20250626850 |
| &nbsp;&nbsp;20250626066 | &nbsp;&nbsp;20250626196 | &nbsp;&nbsp;20250626327 | &nbsp;&nbsp;20250626457 | &nbsp;&nbsp;20250626589 | &nbsp;&nbsp;20250626719 | &nbsp;&nbsp;20250626851 |
| &nbsp;&nbsp;20250626067 | &nbsp;&nbsp;20250626197 | &nbsp;&nbsp;20250626328 | &nbsp;&nbsp;20250626458 | &nbsp;&nbsp;20250626590 | &nbsp;&nbsp;20250626720 | &nbsp;&nbsp;20250626852 |
| &nbsp;&nbsp;20250626068 | &nbsp;&nbsp;20250626198 | &nbsp;&nbsp;20250626329 | &nbsp;&nbsp;20250626459 | &nbsp;&nbsp;20250626591 | &nbsp;&nbsp;20250626721 | &nbsp;&nbsp;20250626853 |
| &nbsp;&nbsp;20250626069 | &nbsp;&nbsp;20250626199 | &nbsp;&nbsp;20250626330 | &nbsp;&nbsp;20250626460 | &nbsp;&nbsp;20250626592 | &nbsp;&nbsp;20250626722 | &nbsp;&nbsp;20250626854 |
| &nbsp;&nbsp;20250626070 | &nbsp;&nbsp;20250626200 | &nbsp;&nbsp;20250626331 | &nbsp;&nbsp;20250626462 | &nbsp;&nbsp;20250626593 | &nbsp;&nbsp;20250626723 | &nbsp;&nbsp;20250626855 |
| &nbsp;&nbsp;20250626071 | &nbsp;&nbsp;20250626201 | &nbsp;&nbsp;20250626332 | &nbsp;&nbsp;20250626464 | &nbsp;&nbsp;20250626594 | &nbsp;&nbsp;20250626724 | &nbsp;&nbsp;20250626856 |
| &nbsp;&nbsp;20250626072 | &nbsp;&nbsp;20250626202 | &nbsp;&nbsp;20250626333 | &nbsp;&nbsp;20250626465 | &nbsp;&nbsp;20250626595 | &nbsp;&nbsp;20250626725 | &nbsp;&nbsp;20250626857 |
| &nbsp;&nbsp;20250626073 | &nbsp;&nbsp;20250626204 | &nbsp;&nbsp;20250626334 | &nbsp;&nbsp;20250626466 | &nbsp;&nbsp;20250626596 | &nbsp;&nbsp;20250626726 | &nbsp;&nbsp;20250626858 |
| &nbsp;&nbsp;20250626074 | &nbsp;&nbsp;20250626205 | &nbsp;&nbsp;20250626335 | &nbsp;&nbsp;20250626467 | &nbsp;&nbsp;20250626597 | &nbsp;&nbsp;20250626727 | &nbsp;&nbsp;20250626859 |
| &nbsp;&nbsp;20250626075 | &nbsp;&nbsp;20250626206 | &nbsp;&nbsp;20250626336 | &nbsp;&nbsp;20250626468 | &nbsp;&nbsp;20250626598 | &nbsp;&nbsp;20250626728 | &nbsp;&nbsp;20250626860 |
| &nbsp;&nbsp;20250626076 | &nbsp;&nbsp;20250626207 | &nbsp;&nbsp;20250626337 | &nbsp;&nbsp;20250626469 | &nbsp;&nbsp;20250626599 | &nbsp;&nbsp;20250626729 | &nbsp;&nbsp;20250626863 |
| &nbsp;&nbsp;20250626077 | &nbsp;&nbsp;20250626208 | &nbsp;&nbsp;20250626338 | &nbsp;&nbsp;20250626470 | &nbsp;&nbsp;20250626600 | &nbsp;&nbsp;20250626730 | &nbsp;&nbsp;20250626864 |
| &nbsp;&nbsp;20250626080 | &nbsp;&nbsp;20250626209 | &nbsp;&nbsp;20250626339 | &nbsp;&nbsp;20250626471 | &nbsp;&nbsp;20250626601 | &nbsp;&nbsp;20250626731 | &nbsp;&nbsp;20250626865 |
| &nbsp;&nbsp;20250626081 | &nbsp;&nbsp;20250626210 | &nbsp;&nbsp;20250626340 | &nbsp;&nbsp;20250626472 | &nbsp;&nbsp;20250626602 | &nbsp;&nbsp;20250626732 | &nbsp;&nbsp;20250626866 |
| &nbsp;&nbsp;20250626082 | &nbsp;&nbsp;20250626211 | &nbsp;&nbsp;20250626341 | &nbsp;&nbsp;20250626473 | &nbsp;&nbsp;20250626603 | &nbsp;&nbsp;20250626733 | &nbsp;&nbsp;20250626867 |
| &nbsp;&nbsp;20250626083 | &nbsp;&nbsp;20250626212 | &nbsp;&nbsp;20250626342 | &nbsp;&nbsp;20250626474 | &nbsp;&nbsp;20250626604 | &nbsp;&nbsp;20250626734 | &nbsp;&nbsp;20250626868 |
| &nbsp;&nbsp;20250626084 | &nbsp;&nbsp;20250626213 | &nbsp;&nbsp;20250626343 | &nbsp;&nbsp;20250626475 | &nbsp;&nbsp;20250626605 | &nbsp;&nbsp;20250626735 | &nbsp;&nbsp;20250626869 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;20250626085 | &nbsp;&nbsp;20250626214 | &nbsp;&nbsp;20250626344 | &nbsp;&nbsp;20250626476 | &nbsp;&nbsp;20250626606 | &nbsp;&nbsp;20250626736 | &nbsp;&nbsp;20250626870 |
| &nbsp;&nbsp;20250626086 | &nbsp;&nbsp;20250626215 | &nbsp;&nbsp;20250626345 | &nbsp;&nbsp;20250626477 | &nbsp;&nbsp;20250626607 | &nbsp;&nbsp;20250626737 | &nbsp;&nbsp;20250626871 |
| &nbsp;&nbsp;20250626087 | &nbsp;&nbsp;20250626216 | &nbsp;&nbsp;20250626346 | &nbsp;&nbsp;20250626478 | &nbsp;&nbsp;20250626608 | &nbsp;&nbsp;20250626738 | &nbsp;&nbsp;20250626872 |
| &nbsp;&nbsp;20250626088 | &nbsp;&nbsp;20250626217 | &nbsp;&nbsp;20250626347 | &nbsp;&nbsp;20250626479 | &nbsp;&nbsp;20250626609 | &nbsp;&nbsp;20250626739 | &nbsp;&nbsp;20250626873 |
| &nbsp;&nbsp;20250626089 | &nbsp;&nbsp;20250626219 | &nbsp;&nbsp;20250626348 | &nbsp;&nbsp;20250626480 | &nbsp;&nbsp;20250626610 | &nbsp;&nbsp;20250626740 | &nbsp;&nbsp;20250626874 |
| &nbsp;&nbsp;20250626090 | &nbsp;&nbsp;20250626220 | &nbsp;&nbsp;20250626349 | &nbsp;&nbsp;20250626481 | &nbsp;&nbsp;20250626611 | &nbsp;&nbsp;20250626741 | &nbsp;&nbsp;20250626875 |
| &nbsp;&nbsp;20250626091 | &nbsp;&nbsp;20250626221 | &nbsp;&nbsp;20250626350 | &nbsp;&nbsp;20250626482 | &nbsp;&nbsp;20250626612 | &nbsp;&nbsp;20250626742 | &nbsp;&nbsp;20250626876 |
| &nbsp;&nbsp;20250626092 | &nbsp;&nbsp;20250626222 | &nbsp;&nbsp;20250626351 | &nbsp;&nbsp;20250626483 | &nbsp;&nbsp;20250626613 | &nbsp;&nbsp;20250626743 | &nbsp;&nbsp;20250626877 |
| &nbsp;&nbsp;20250626093 | &nbsp;&nbsp;20250626223 | &nbsp;&nbsp;20250626352 | &nbsp;&nbsp;20250626484 | &nbsp;&nbsp;20250626614 | &nbsp;&nbsp;20250626744 | &nbsp;&nbsp;20250626878 |
| &nbsp;&nbsp;20250626094 | &nbsp;&nbsp;20250626224 | &nbsp;&nbsp;20250626353 | &nbsp;&nbsp;20250626486 | &nbsp;&nbsp;20250626615 | &nbsp;&nbsp;20250626745 | &nbsp;&nbsp;20250626879 |
| &nbsp;&nbsp;20250626095 | &nbsp;&nbsp;20250626225 | &nbsp;&nbsp;20250626354 | &nbsp;&nbsp;20250626487 | &nbsp;&nbsp;20250626616 | &nbsp;&nbsp;20250626746 | &nbsp;&nbsp;20250626880 |
| &nbsp;&nbsp;20250626096 | &nbsp;&nbsp;20250626226 | &nbsp;&nbsp;20250626355 | &nbsp;&nbsp;20250626488 | &nbsp;&nbsp;20250626617 | &nbsp;&nbsp;20250626749 | &nbsp;&nbsp;20250626881 |
| &nbsp;&nbsp;20250626097 | &nbsp;&nbsp;20250626227 | &nbsp;&nbsp;20250626356 | &nbsp;&nbsp;20250626489 | &nbsp;&nbsp;20250626618 | &nbsp;&nbsp;20250626750 | &nbsp;&nbsp;20250626882 |
| &nbsp;&nbsp;20250626098 | &nbsp;&nbsp;20250626228 | &nbsp;&nbsp;20250626357 | &nbsp;&nbsp;20250626490 | &nbsp;&nbsp;20250626619 | &nbsp;&nbsp;20250626751 | &nbsp;&nbsp;20250626883 |
| &nbsp;&nbsp;20250626099 | &nbsp;&nbsp;20250626229 | &nbsp;&nbsp;20250626358 | &nbsp;&nbsp;20250626491 | &nbsp;&nbsp;20250626620 | &nbsp;&nbsp;20250626752 | &nbsp;&nbsp;20250626884 |
| &nbsp;&nbsp;20250626100 | &nbsp;&nbsp;20250626230 | &nbsp;&nbsp;20250626359 | &nbsp;&nbsp;20250626492 | &nbsp;&nbsp;20250626621 | &nbsp;&nbsp;20250626753 | &nbsp;&nbsp;20250626885 |
| &nbsp;&nbsp;20250626101 | &nbsp;&nbsp;20250626231 | &nbsp;&nbsp;20250626360 | &nbsp;&nbsp;20250626493 | &nbsp;&nbsp;20250626622 | &nbsp;&nbsp;20250626754 | &nbsp;&nbsp;20250626886 |
| &nbsp;&nbsp;20250626102 | &nbsp;&nbsp;20250626232 | &nbsp;&nbsp;20250626361 | &nbsp;&nbsp;20250626494 | &nbsp;&nbsp;20250626623 | &nbsp;&nbsp;20250626755 | &nbsp;&nbsp;20250626887 |
| &nbsp;&nbsp;20250626103 | &nbsp;&nbsp;20250626233 | &nbsp;&nbsp;20250626362 | &nbsp;&nbsp;20250626495 | &nbsp;&nbsp;20250626624 | &nbsp;&nbsp;20250626756 | &nbsp;&nbsp;20250626888 |
| &nbsp;&nbsp;20250626104 | &nbsp;&nbsp;20250626234 | &nbsp;&nbsp;20250626363 | &nbsp;&nbsp;20250626496 | &nbsp;&nbsp;20250626625 | &nbsp;&nbsp;20250626757 | &nbsp;&nbsp;20250626889 |
| &nbsp;&nbsp;20250626106 | &nbsp;&nbsp;20250626235 | &nbsp;&nbsp;20250626364 | &nbsp;&nbsp;20250626497 | &nbsp;&nbsp;20250626626 | &nbsp;&nbsp;20250626758 | &nbsp;&nbsp;20250626890 |
| &nbsp;&nbsp;20250626107 | &nbsp;&nbsp;20250626236 | &nbsp;&nbsp;20250626365 | &nbsp;&nbsp;20250626498 | &nbsp;&nbsp;20250626627 | &nbsp;&nbsp;20250626759 | &nbsp;&nbsp;20250626891 |
| &nbsp;&nbsp;20250626108 | &nbsp;&nbsp;20250626237 | &nbsp;&nbsp;20250626366 | &nbsp;&nbsp;20250626499 | &nbsp;&nbsp;20250626628 | &nbsp;&nbsp;20250626760 | &nbsp;&nbsp;20250626892 |
| &nbsp;&nbsp;20250626109 | &nbsp;&nbsp;20250626238 | &nbsp;&nbsp;20250626367 | &nbsp;&nbsp;20250626500 | &nbsp;&nbsp;20250626629 | &nbsp;&nbsp;20250626761 | &nbsp;&nbsp;20250626893 |
| &nbsp;&nbsp;20250626110 | &nbsp;&nbsp;20250626239 | &nbsp;&nbsp;20250626368 | &nbsp;&nbsp;20250626501 | &nbsp;&nbsp;20250626630 | &nbsp;&nbsp;20250626762 | &nbsp;&nbsp;20250626894 |
| &nbsp;&nbsp;20250626111 | &nbsp;&nbsp;20250626240 | &nbsp;&nbsp;20250626369 | &nbsp;&nbsp;20250626502 | &nbsp;&nbsp;20250626631 | &nbsp;&nbsp;20250626763 | &nbsp;&nbsp;20250626895 |
| &nbsp;&nbsp;20250626112 | &nbsp;&nbsp;20250626241 | &nbsp;&nbsp;20250626370 | &nbsp;&nbsp;20250626503 | &nbsp;&nbsp;20250626632 | &nbsp;&nbsp;20250626764 | &nbsp;&nbsp;20250626896 |
| &nbsp;&nbsp;20250626113 | &nbsp;&nbsp;20250626242 | &nbsp;&nbsp;20250626371 | &nbsp;&nbsp;20250626504 | &nbsp;&nbsp;20250626634 | &nbsp;&nbsp;20250626765 | &nbsp;&nbsp;20250626897 |
| &nbsp;&nbsp;20250626114 | &nbsp;&nbsp;20250626243 | &nbsp;&nbsp;20250626372 | &nbsp;&nbsp;20250626505 | &nbsp;&nbsp;20250626635 | &nbsp;&nbsp;20250626766 | &nbsp;&nbsp;20250626898 |
| &nbsp;&nbsp;20250626115 | &nbsp;&nbsp;20250626244 | &nbsp;&nbsp;20250626373 | &nbsp;&nbsp;20250626506 | &nbsp;&nbsp;20250626636 | &nbsp;&nbsp;20250626767 | &nbsp;&nbsp;20250626899 |
| &nbsp;&nbsp;20250626116 | &nbsp;&nbsp;20250626245 | &nbsp;&nbsp;20250626374 | &nbsp;&nbsp;20250626507 | &nbsp;&nbsp;20250626637 | &nbsp;&nbsp;20250626768 | &nbsp;&nbsp;20250626900 |
| &nbsp;&nbsp;20250626117 | &nbsp;&nbsp;20250626246 | &nbsp;&nbsp;20250626375 | &nbsp;&nbsp;20250626508 | &nbsp;&nbsp;20250626638 | &nbsp;&nbsp;20250626769 | &nbsp;&nbsp;20250626901 |
| &nbsp;&nbsp;20250626118 | &nbsp;&nbsp;20250626247 | &nbsp;&nbsp;20250626376 | &nbsp;&nbsp;20250626509 | &nbsp;&nbsp;20250626639 | &nbsp;&nbsp;20250626770 | &nbsp;&nbsp;20250626902 |
| &nbsp;&nbsp;20250626119 | &nbsp;&nbsp;20250626248 | &nbsp;&nbsp;20250626377 | &nbsp;&nbsp;20250626510 | &nbsp;&nbsp;20250626640 | &nbsp;&nbsp;20250626771 | &nbsp;&nbsp;20250626903 |
| &nbsp;&nbsp;20250626120 | &nbsp;&nbsp;20250626249 | &nbsp;&nbsp;20250626378 | &nbsp;&nbsp;20250626511 | &nbsp;&nbsp;20250626641 | &nbsp;&nbsp;20250626772 | &nbsp;&nbsp;20250626904 |
| &nbsp;&nbsp;20250626121 | &nbsp;&nbsp;20250626250 | &nbsp;&nbsp;20250626379 | &nbsp;&nbsp;20250626512 | &nbsp;&nbsp;20250626642 | &nbsp;&nbsp;20250626773 | &nbsp;&nbsp;20250626905 |
| &nbsp;&nbsp;20250626122 | &nbsp;&nbsp;20250626251 | &nbsp;&nbsp;20250626380 | &nbsp;&nbsp;20250626513 | &nbsp;&nbsp;20250626643 | &nbsp;&nbsp;20250626774 | &nbsp;&nbsp;20250626906 |
| &nbsp;&nbsp;20250626123 | &nbsp;&nbsp;20250626252 | &nbsp;&nbsp;20250626381 | &nbsp;&nbsp;20250626514 | &nbsp;&nbsp;20250626644 | &nbsp;&nbsp;20250626775 | &nbsp;&nbsp;20250626907 |
| &nbsp;&nbsp;20250626124 | &nbsp;&nbsp;20250626253 | &nbsp;&nbsp;20250626382 | &nbsp;&nbsp;20250626515 | &nbsp;&nbsp;20250626645 | &nbsp;&nbsp;20250626776 | &nbsp;&nbsp;20250626908 |
| &nbsp;&nbsp;20250626125 | &nbsp;&nbsp;20250626254 | &nbsp;&nbsp;20250626383 | &nbsp;&nbsp;20250626516 | &nbsp;&nbsp;20250626646 | &nbsp;&nbsp;20250626777 | &nbsp;&nbsp;20250626909 |
| &nbsp;&nbsp;20250626126 | &nbsp;&nbsp;20250626255 | &nbsp;&nbsp;20250626384 | &nbsp;&nbsp;20250626517 | &nbsp;&nbsp;20250626647 | &nbsp;&nbsp;20250626778 | &nbsp;&nbsp;20250626911 |
| &nbsp;&nbsp;20250626127 | &nbsp;&nbsp;20250626256 | &nbsp;&nbsp;20250626385 | &nbsp;&nbsp;20250626518 | &nbsp;&nbsp;20250626649 | &nbsp;&nbsp;20250626779 | &nbsp;&nbsp;20250626912 |
| &nbsp;&nbsp;20250626128 | &nbsp;&nbsp;20250626257 | &nbsp;&nbsp;20250626386 | &nbsp;&nbsp;20250626519 | &nbsp;&nbsp;20250626651 | &nbsp;&nbsp;20250626780 | &nbsp;&nbsp;20250626913 |
| &nbsp;&nbsp;20250626129 | &nbsp;&nbsp;20250626258 | &nbsp;&nbsp;20250626387 | &nbsp;&nbsp;20250626520 | &nbsp;&nbsp;20250626652 | &nbsp;&nbsp;20250626781 | &nbsp;&nbsp;20250626914 |
| &nbsp;&nbsp;20250626130 | &nbsp;&nbsp;20250626259 | &nbsp;&nbsp;20250626388 | &nbsp;&nbsp;20250626521 | &nbsp;&nbsp;20250626653 | &nbsp;&nbsp;20250626783 | &nbsp;&nbsp;20250626915 |
| &nbsp;&nbsp;20250626131 | &nbsp;&nbsp;20250626260 | &nbsp;&nbsp;20250626389 | &nbsp;&nbsp;20250626522 | &nbsp;&nbsp;20250626654 | &nbsp;&nbsp;20250626784 |  |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;20250626132 | &nbsp;&nbsp;20250626261 | &nbsp;&nbsp;20250626390 | &nbsp;&nbsp;20250626523 | &nbsp;&nbsp;20250626655 | &nbsp;&nbsp;20250626785 |
| &nbsp;&nbsp;20250626133 | &nbsp;&nbsp;20250626262 | &nbsp;&nbsp;20250626391 | &nbsp;&nbsp;20250626524 | &nbsp;&nbsp;20250626656 | &nbsp;&nbsp;20250626786 |
| &nbsp;&nbsp;20250626134 | &nbsp;&nbsp;20250626263 | &nbsp;&nbsp;20250626392 | &nbsp;&nbsp;20250626525 | &nbsp;&nbsp;20250626657 | &nbsp;&nbsp;20250626787 |
| &nbsp;&nbsp;20250626135 | &nbsp;&nbsp;20250626264 | &nbsp;&nbsp;20250626393 | &nbsp;&nbsp;20250626526 | &nbsp;&nbsp;20250626658 | &nbsp;&nbsp;20250626788 |
| &nbsp;&nbsp;20250626136 | &nbsp;&nbsp;20250626265 | &nbsp;&nbsp;20250626394 | &nbsp;&nbsp;20250626527 | &nbsp;&nbsp;20250626660 | &nbsp;&nbsp;20250626789 |
| &nbsp;&nbsp;20250626137 | &nbsp;&nbsp;20250626266 | &nbsp;&nbsp;20250626395 | &nbsp;&nbsp;20250626528 | &nbsp;&nbsp;20250626661 | &nbsp;&nbsp;20250626791 |
| &nbsp;&nbsp;20250626138 | &nbsp;&nbsp;20250626267 | &nbsp;&nbsp;20250626396 | &nbsp;&nbsp;20250626529 | &nbsp;&nbsp;20250626662 | &nbsp;&nbsp;20250626792 |
| &nbsp;&nbsp;20250626139 | &nbsp;&nbsp;20250626268 | &nbsp;&nbsp;20250626397 | &nbsp;&nbsp;20250626530 | &nbsp;&nbsp;20250626663 | &nbsp;&nbsp;20250626793 |
| &nbsp;&nbsp;20250626140 | &nbsp;&nbsp;20250626269 | &nbsp;&nbsp;20250626398 | &nbsp;&nbsp;20250626531 | &nbsp;&nbsp;20250626664 | &nbsp;&nbsp;20250626794 |
| &nbsp;&nbsp;20250626141 | &nbsp;&nbsp;20250626270 | &nbsp;&nbsp;20250626399 | &nbsp;&nbsp;20250626532 | &nbsp;&nbsp;20250626665 | &nbsp;&nbsp;20250626796 |
| &nbsp;&nbsp;20250626142 | &nbsp;&nbsp;20250626271 | &nbsp;&nbsp;20250626400 | &nbsp;&nbsp;20250626533 | &nbsp;&nbsp;20250626666 | &nbsp;&nbsp;20250626797 |
| &nbsp;&nbsp;20250626143 | &nbsp;&nbsp;20250626272 | &nbsp;&nbsp;20250626401 | &nbsp;&nbsp;20250626534 | &nbsp;&nbsp;20250626667 | &nbsp;&nbsp;20250626798 |
| &nbsp;&nbsp;20250626144 | &nbsp;&nbsp;20250626273 | &nbsp;&nbsp;20250626402 | &nbsp;&nbsp;20250626535 | &nbsp;&nbsp;20250626668 | &nbsp;&nbsp;20250626799 |
| &nbsp;&nbsp;20250626145 | &nbsp;&nbsp;20250626274 | &nbsp;&nbsp;20250626403 | &nbsp;&nbsp;20250626536 | &nbsp;&nbsp;20250626669 | &nbsp;&nbsp;20250626800 |
| &nbsp;&nbsp;20250626146 | &nbsp;&nbsp;20250626275 | &nbsp;&nbsp;20250626404 | &nbsp;&nbsp;20250626537 | &nbsp;&nbsp;20250626670 | &nbsp;&nbsp;20250626801 |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com.

## Exhibit 99.8

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Reviewer Loan ID** | **XX ID** | **Seller Loan ID** | **ALT Loan ID** | **XX ID** | **Deal #** | **Loan Status** | **Pool** | **Final Rating** | **Credit Rating** | **Compliance Rating** | **Property Rating** | **Credit Exceptions** | **Compliance Exceptions** | **Property Exceptions** | **Compensating Factors** |
| b96f6d29-5faa-47fd-94b8-699c82e05df9 | XXXXXX | XXXXXX | 20250626002 | XXXXXX | XXXX-XXX | Underwriting Complete | XXXX_Joint Pool | 1 | 1 | 1 | 1 |  |  |  |  |
| dc515aa8-d8c0-403a-b516-729d49e94df9 | XXXXXX | XXXXXX | 20250626006 | XXXXXX | XXXX-XXX | Underwriting Complete | XXXX_Joint Pool | 1 | 1 | 1 | 1 |  |  |  |  |
| 3285e318-27de-44a0-8349-6e6a0e33cdae | XXXXXX | XXXXXX | 20250626008 | XXXXXX | XXXX-XXX | Underwriting Complete | XXXX_Joint Pool | 2 | 1 | 2 | 1 |  | Finance Charge Under Disclosed - Finance Charge Under Disclosed by $181.58. Unable to determine the reason for the under disclosure due to missing itemization. - Active - Active; Missing Initial Escrow Account Disclosure - The Initial Escrow Disclosure is missing. - Active - Active |  |  |
| 0799edc6-478d-4755-9bef-15878286627a | XXXXXX | XXXXXX | 20250626009 | XXXXXX | XXXX-XXX | Underwriting Complete | XXXX_Joint Pool | 2 | 1 | 2 | 1 |  | Incorrect rescission model – Same lender refinance requires form H-9 - Same lender refinance transactions require form H-9. - Active - Active |  |  |
| 6b9eb275-ce16-4934-8391-c1bf87888d5c | XXXXXX | XXXXXX | 20250626011 | XXXXXX | XXXX-XXX | Underwriting Complete | XXXX_Joint Pool | 2 | 1 | 2 | 1 |  | Loan is subject to Mandatory Arbitration - ; Finance Charge Under Disclosed - 09/03/2015; APR Under Disclosed - 09/03/2015 |  |  |
| 7a9fc452-e658-484b-b9b9-642956018e04 | XXXXXX | XXXXXX | 20250626012 | XXXXXX | XXXX-XXX | Underwriting Complete | XXXX_Joint Pool | 3 | 1 | 3 | 1 |  | 3 day rescission period not provided - 08/31/2016 Issue Resolution: No violation, ROR end date was Saturday, loan disbursed properly on next business day following; Loan is subject to Mandatory Arbitration - ; Finance Charge Under Disclosed - 08/31/2016; APR Under Disclosed - 08/31/2016; Missing Appraisal - Appraisal is missing the pictures for both the subject property and the comparables. - Active - Active |  |  |
| f81ff36f-e17e-4ba1-a3c6-25eba55f8dc6 | XXXXXX | XXXXXX | 20250626013 | XXXXXX | XXXX-XXX | Underwriting Complete | XXXX_Joint Pool | 2 | 1 | 2 | 1 |  | Finance Charge Under Disclosed - ; Missing Loan Modification - Missing modification agreement dated 08/08/2015 - Active - Active |  |  |
| 70729f38-c541-495b-b88b-b16416bcf8f2 | XXXXXX | XXXXXX | 20250626014 | XXXXXX | XXXX-XXX | Underwriting Complete | XXXX_Joint Pool | 2 | 1 | 2 | 1 |  | Missing Loan Modification - Missing modification agreement dated 12/29/2015 - Active - Active |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Alt Loan ID** | **Customer Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Exception Approved Pre Origination** | **Initial Exception Grade** | **Final Exception Grade** | **Subject to Predatory Lending** | **HUD Category** | **Reviewer Loan ID** | **Deal #** |
| XXXXXX | 20250626008 | XXXXXX | fd26fa19-eab1-48fd-89e2-7e59d7045bc1 | 1586 | Compliance |  | Finance Charge Under Disclosed | Finance Charge Under Disclosed by $XXX.XX. Unable to determine the reason for the under disclosure due to missing itemization. |  |  |  | Active |  | 2 | 2 B | Y | Final HUD used for testing | 3285e318-27de-44a0-8349-6e6a0e33cdae | XXXX-XXX |
| XXXXXX | 20250626008 | XXXXXX | 078582f6-167e-e811-931d-f4e9d4a75a52 | 1672 | Compliance |  | Missing Initial Escrow Account Disclosure | The Initial Escrow Disclosure is missing. |  |  |  | Active |  | 2 | 2 B | Y | Final HUD used for testing | 3285e318-27de-44a0-8349-6e6a0e33cdae | XXXX-XXX |
| XXXXXX | 20250626009 | XXXXXX | de3a6f96-7c7c-e811-931d-f4e9d4a75a52 | 1571 | Compliance |  | Incorrect rescission model – Same lender refinance requires form H-9 | Same lender refinance transactions require form H-9. |  |  |  | Active |  | 2 | 2 B | Y | Final HUD used for testing | 0799edc6-478d-4755-9bef-15878286627a | XXXX-XXX |
| XXXXXX | 20250626011 | XXXXXX | 9d93d29d-b3dc-4b93-bc2c-7888960c7afe | 1587 | Compliance |  | APR Under Disclosed |  |  |  |  | Cleared |  | 2 | 1 B A | Y | Final HUD used for testing | 6b9eb275-ce16-4934-8391-c1bf87888d5c | XXXX-XXX |
| XXXXXX | 20250626011 | XXXXXX | 8585d380-21af-4614-9838-f4b0567aec76 | 1586 | Compliance |  | Finance Charge Under Disclosed |  |  |  |  | Cleared |  | 2 | 1 B A | Y | Final HUD used for testing | 6b9eb275-ce16-4934-8391-c1bf87888d5c | XXXX-XXX |
| XXXXXX | 20250626011 | XXXXXX | 5ad39eeb-2b35-e511-8daf-d8d385e1d166 | 26 | Compliance |  | Loan is subject to Mandatory Arbitration |  |  |  |  | Active |  | 2 | 2 B | Y | Final HUD used for testing | 6b9eb275-ce16-4934-8391-c1bf87888d5c | XXXX-XXX |
| XXXXXX | 20250626012 | XXXXXX | 52ddba3f-1179-4f82-9555-baf65cabc2b2 | 5 | Compliance |  | 3 day rescission period not provided |  |  | No violation, ROR end date was Saturday, loan disbursed properly on next business day following |  | Cleared |  | 2 | 1 B A | Y | Final HUD used for testing | 7a9fc452-e658-484b-b9b9-642956018e04 | XXXX-XXX |
| XXXXXX | 20250626012 | XXXXXX | 5a7e43e8-312a-4751-a2eb-97de421cf859 | 1587 | Compliance |  | APR Under Disclosed |  |  |  |  | Cleared |  | 2 | 1 B A | Y | Final HUD used for testing | 7a9fc452-e658-484b-b9b9-642956018e04 | XXXX-XXX |
| XXXXXX | 20250626012 | XXXXXX | 758191ab-27de-41b2-a67e-d266749382b9 | 1586 | Compliance |  | Finance Charge Under Disclosed |  |  |  |  | Cleared |  | 2 | 1 B A | Y | Final HUD used for testing | 7a9fc452-e658-484b-b9b9-642956018e04 | XXXX-XXX |
| XXXXXX | 20250626012 | XXXXXX | 6febbe48-7744-e611-86f5-d8d385e0a8b2 | 26 | Compliance |  | Loan is subject to Mandatory Arbitration |  |  |  |  | Active |  | 2 | 2 B | Y | Final HUD used for testing | 7a9fc452-e658-484b-b9b9-642956018e04 | XXXX-XXX |
| XXXXXX | 20250626012 | XXXXXX | fc130704-7944-e611-86f5-d8d385e0a8b2 | 1742 | Compliance |  | Missing Appraisal | Appraisal is missing the pictures for both the subject property and the comparables. |  |  |  | Active |  | 3 | 3 D | Y | Final HUD used for testing | 7a9fc452-e658-484b-b9b9-642956018e04 | XXXX-XXX |
| XXXXXX | 20250626013 | XXXXXX | 09cf1c02-0292-4872-a67a-d0a1340fda73 | 1586 | Compliance |  | Finance Charge Under Disclosed |  |  |  |  | Active |  | 2 | 2 B | Y | Final HUD used for testing | f81ff36f-e17e-4ba1-a3c6-25eba55f8dc6 | XXXX-XXX |
| XXXXXX | 20250626013 | XXXXXX | 2229c2aa-8c3d-e511-8d38-d8d385e1d166 | 2070 | Compliance |  | Missing Loan Modification | Missing modification agreement dated xx/xx/xxxx |  |  |  | Active |  | 2 | 2 B | Y | Final HUD used for testing | f81ff36f-e17e-4ba1-a3c6-25eba55f8dc6 | XXXX-XXX |
| XXXXXX | 20250626014 | XXXXXX | f86c1c2c-9d33-e711-bbc0-f4e9d4a75ba2 | 2070 | Compliance |  | Missing Loan Modification | Missing modification agreement dated XX/XX/XXXX |  |  |  | Active |  | 2 | 2 B | Y | Final HUD used for testing | 70729f38-c541-495b-b88b-b16416bcf8f2 | XXXX-XXX |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **XX ID** | **Alt Loan ID** | **XX ID** | **Original Loan Amount** |
| XXXXXX | XXXXXX | 20250626002 | XXXXXX | $XXX,XXX.XX A |
| XXXXXX | XXXXXX | 20250626006 | XXXXXX | $XXX,XXX.XX A |
| XXXXXX | XXXXXX | 20250626008 | XXXXXX | $XXX,XXX.XX A B |
| XXXXXX | XXXXXX | 20250626009 | XXXXXX | $XXX,XXX.XX A B |
| XXXXXX | XXXXXX | 20250626011 | XXXXXX | $XX,XXX.XX A B |
| XXXXXX | XXXXXX | 20250626012 | XXXXXX | $XXX,XXX.XX A D |
| XXXXXX | XXXXXX | 20250626013 | XXXXXX | $XXX,XXX.XX A B |
| XXXXXX | XXXXXX | 20250626014 | XXXXXX | $XXX,XXX.XX A B |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Alt Loan ID** | **Client Loan Number** | **Data Field** | **Tape Data** | **Review Data** | **Tape Discrepancy Comments** | **Reviewer Loan ID** | **Deal #** |
| XXXXXX | 20250626002 | XXXXXX | LTV | 750.00% | 75.00% | Tape value has decimal in wrong position | b96f6d29-5faa-47fd-94b8-699c82e05df9 | XXXX-XXX |
| XXXXXX | 20250626008 | XXXXXX | Appraised Value | $XXX,XXX.XX | $XXX,XXX.XX | DU | 3285e318-27de-44a0-8349-6e6a0e33cdae | XXXX-XXX |
| XXXXXX | 20250626008 | XXXXXX | CLTV | 156.00% | 150.00% | DU | 3285e318-27de-44a0-8349-6e6a0e33cdae | XXXX-XXX |
| XXXXXX | 20250626009 | XXXXXX | CLTV | 80.00% | 72.00% | Rounding | 0799edc6-478d-4755-9bef-15878286627a | XXXX-XXX |
| XXXXXX | 20250626009 | XXXXXX | Interest Rate | 4.625% | 7.625% | Rate Reduced Through Modification | 0799edc6-478d-4755-9bef-15878286627a | XXXX-XXX |
| XXXXXX | 20250626009 | XXXXXX | LTV | 80.00% | 72.00% | Rounding | 0799edc6-478d-4755-9bef-15878286627a | XXXX-XXX |
| XXXXXX | 20250626011 | XXXXXX | Loan Purpose | Refi Cash Out | Refi Rate/Term | Borrower Receiving < 2% or $2,000 | 6b9eb275-ce16-4934-8391-c1bf87888d5c | XXXX-XXX |
| XXXXXX | 20250626011 | XXXXXX | Loan Term | 197 | 300 | NA | 6b9eb275-ce16-4934-8391-c1bf87888d5c | XXXX-XXX |
| XXXXXX | 20250626011 | XXXXXX | LTV | 99.20% | 110.97% | NA | 6b9eb275-ce16-4934-8391-c1bf87888d5c | XXXX-XXX |
| XXXXXX | 20250626011 | XXXXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX | NA | 6b9eb275-ce16-4934-8391-c1bf87888d5c | XXXX-XXX |
| XXXXXX | 20250626012 | XXXXXX | LTV | 79.34% | 100.00% | no 1008/loan approval in file | 7a9fc452-e658-484b-b9b9-642956018e04 | XXXX-XXX |
| XXXXXX | 20250626012 | XXXXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX | Date Pulled From Note Document In File | 7a9fc452-e658-484b-b9b9-642956018e04 | XXXX-XXX |
| XXXXXX | 20250626013 | XXXXXX | Loan Purpose | Purchase | Refi Rate/Term | Borrower Receiving < 2% or $2,000 | f81ff36f-e17e-4ba1-a3c6-25eba55f8dc6 | XXXX-XXX |
| XXXXXX | 20250626014 | XXXXXX | Loan Purpose | Purchase | Refi Cash Out | Borrower Receiving > 2% or $2,000 | 70729f38-c541-495b-b88b-b16416bcf8f2 | XXXX-XXX |
| XXXXXX | 20250626014 | XXXXXX | MERS Min Number | XXXXXXXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXXXX | mtg | 70729f38-c541-495b-b88b-b16416bcf8f2 | XXXX-XXX |

---

---

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| **Primary Servicer** | **Servicing Fee- Percentage** | **Servicing Fee- Flat dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Alt Loan ID** | **Amortization Type** | **Lien Position** | **HELOC Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points (in dollars)** | **Covered/High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amount(s)** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien (in months)** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look-back Days** | **Gross Margin** | **ARM Round Flag** | **ARM Round Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap (Change Up)** | **Initial Interest Rate Cap (Change Down)** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate (Change Down)** | **Subsequent Interest Rate Cap (Change Up)** | **Lifetime Maximum Rate (Ceiling)** | **Lifetime Minimum Rate (Floor)** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self-employment Flag** | **Current 'Other' Monthly Payment** | **Length of Employment :Borrower** | **Length of Employment :Co-Borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO: Equifax** | **Primary Wage Earner Original FICO: Experian** | **Primary Wage Earner Original FICO: TransUnion** | **Secondary Wage Earner Original FICO: Equifax** | **Secondary Wage Earner Original FICO: Experian** | **Secondary Wage Earner Original FICO: TransUnion** | **Most Recent Primary Borrower FICO** | **Most Recent Co-Borrower FICO** | **Most Recent FICO Method** | **VantageScore: Primary Borrower** | **VantageScore Co-Borrower** | **Most Recent VantageScore Method** | **VantageScore Date** | **Credit Report: Longest Trade Line** | **Credit Report: Maximum Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12-month Pay History** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co-Borrower Wage Income** | **Primary Borrower Other Income** | **Co-Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506-T Indicator** | **Borrower Income Verification Level** | **Co-Borrower Income Verification** | **Borrower Employment Verification** | **Co-Borrower Employment Verification** | **Borrower Asset Verification** | **Co-Borrower Asset Verification** | **Liquid / Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment from Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model (AVM) Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI: Lender or Borrower Paid?** | **Pool Insurance Co. Name** | **Pool Insurance Stop Loss %** | **MI Certificate Number** | **Updated DTI (Front-end)** | **Updated DTI (Back-end)** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre-Modification Interest (Note) Rate** | **Pre-Modification P&I Payment** | **Pre-Modification Initial Interest Rate Change Downward Cap** | **Pre-Modification Subsequent Interest Rate Cap** | **Pre-Modification Next Interest Rate Change Date** | **Pre-Modification I/O Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator (Y/N)** | **Gross Manufacturer's Invoice Price** | **LTI (Loan-to-Invoice) Gross** | **Net Manufacturer's Invoice Price** | **LTI (Net)** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community/Related Party Lender (Y/N)** | **Defined Underwriting Criteria (Y/N)** | **Client Loan Number** | **Deal #** | **Reviewer Loan ID** |
| 9999999 |  |  | 99 | XXXXXXX | UNK | XXXXXX | 20250626002 | 1 | 1 | 0 | 1 | $XXX,XXX.XX | $XX,XXX.XX | 0 | 0 | 0 |  |  |  |  |  |  | $XX,XXX.XX |  | XX/XX/XXXX | $XXX,XXX.XX | 0.06500 | 360 | 360 | XX/XX/XXXX | 2 | 0 | 0 |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 2 | 0 | 0.00 | 0.00 | 0.00 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 0 |  |  |  |  | 0 | 0 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 99 | 9999 | 9999 | 9999 | 9999 | 1 | 1 | 0.00 | $X,XXX.XX | 0.48110 |  | 1 |  | XXXXXXXXXXX | CA | XXXXX | 1 | 1 |  | $XXX,XXX.XX | 3 |  |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | XXXX-XXX | b96f6d29-5faa-47fd-94b8-699c82e05df9 |
| 9999999 |  |  | 99 | XXXXXXX | UNK | XXXXXX | 20250626006 | 2 | 1 | 0 | 6 | $XXX,XXX.XX | $XX,XXX.XX | 0 | 0 | 0 |  |  |  |  |  |  | $XX,XXX.XX |  | XX/XX/XXXX | $XXX,XXX.XX | 0.09070 | 360 | 360 | XX/XX/XXXX | 2 | 0 | 0 |  |  |  |  | XX/XX/XXXX | 120+ | 47 | 1 | 0.08000 | 3 | 0.001250 | 36 | 0.030000 | 0.000000 | 6 | 0.010000 | 0.010000 | 0.150700 | 0.090700 |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 98 | 1 | 24 |  |  |  | 1 | 0 | 0.00 | 0.00 |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 0 |  |  |  | 000000000000000000010000 | 0 | 0 | 0.00 |  | 0.00 |  | 0.00 | 0.00 | 99 | 9999 |  | 9999 |  | 2 |  | 0.00 | $X,XXX.XX | 0.47780 | 0.133750 | 99 | 0.0000 | XXXXXXXXX | NC | XXXXX | 7 | 1 | $XXX,XXX.XX | $XXX,XXX.XX | 3 |  |  |  |  |  |  |  |  | 1.012600 | 1.012600 | 0.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | XXXX-XXX | dc515aa8-d8c0-403a-b516-729d49e94df9 |
| 9999999 |  |  | 99 | XXXXXXX | UNK | XXXXXX | 20250626008 | 1 | 1 | 0 | 98 | $XXX,XXX.XX | $XX,XXX.XX | 0 | 0 | 0 | 1 | 4 |  |  |  |  | $XX,XXX.XX |  | XX/XX/XXXX | $XXX,XXX.XX | 0.03990 | 360 | 360 | XX/XX/XXXX | 2 | 0 | 0 |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 2 | 0 | 0.00 | 0.00 | 0.00 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 0 |  |  |  |  | 0 | 0 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 99 | 9999 | 9999 | 9999 | 9999 | 1 | 1 | 0.00 | $X,XXX.XX | 0.73480 |  | 1 |  | XXXX XXXXXX | FL | XXXXX |  | 1 |  | $XXX,XXX.XX | 8 |  |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | XXXX-XXX | 3285e318-27de-44a0-8349-6e6a0e33cdae |
| 9999999 |  |  | 99 | XXXXXXX | UNK | XXXXXX | 20250626009 | 1 | 1 | 0 | 3 | $XXX,XXX.XX | $XX,XXX.XX | 0 | 0 | 99 | 99 | 4 |  |  |  |  | $XX,XXX.XX |  | XX/XX/XXXX | $XXX,XXX.XX | 0.07625 | 360 | 360 | XX/XX/XXXX | 2 | 0 | 0 |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 0.00 | 0.00 |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 0 |  |  |  |  | 0 | 0 | 0.00 |  | 0.00 |  | 0.00 | 0.00 | 99 | 9999 |  | 9999 |  | 1 |  | 0.00 | $X,XXX.XX | 0.21380 |  | 1 |  | XXXXXXX | PA | XXXXX | 1 | 1 |  | $XXX,XXX.XX | 3 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | XXXX-XXX | 0799edc6-478d-4755-9bef-15878286627a |
| 9999999 |  |  | 99 | XXXXXXX | UNK | XXXXXX | 20250626011 | 1 | 1 | 0 | 98 | $XXX,XXX.XX | $XX,XXX.XX | 0 | 0 | 0 |  |  |  |  |  |  | $XX,XXX.XX |  | XX/XX/XXXX | $XXX,XXX.XX | 0.09140 | 300 | 300 | XX/XX/XXXX | 1 | 0 | 0 |  |  |  |  | XX/XX/XXXX | Current |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 1 | 0 | 0.00 | 0.00 |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 0 |  |  |  | 001213333200001122232300 | 0 | 0 | 0.00 |  | 0.00 |  | 0.00 | 0.00 | 99 | 9999 |  | 9999 |  | 1 |  | 0.00 | $X,XXX.XX | 0.00000 |  | 99 |  | XXXXXXXXXXX | ME | XXXXX | 1 | 1 |  | $XXX,XXX.XX | 7 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XX,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | XXXX-XXX | 6b9eb275-ce16-4934-8391-c1bf87888d5c |
| 9999999 |  |  | 99 | XXXXXXX | UNK | XXXXXX | 20250626012 | 1 | 1 | 0 | 1 | $XXX,XXX.XX | $XX,XXX.XX | 0 | 0 | 0 |  |  |  |  |  |  | $XX,XXX.XX |  | XX/XX/XXXX | $XXX,XXX.XX | 0.08550 | 240 | 240 | XX/XX/XXXX | 1 | 0 | 0 |  |  |  |  | XX/XX/XXXX | 120+ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 1 | 1 | 0.00 | 0.00 |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 0 |  |  |  | 000000000000001123444444 | 0 | 0 | 0.00 |  | 0.00 |  | 0.00 | 0.00 | 99 | 9999 |  | 9999 |  | 1 |  | 0.00 | $X,XXX.XX | 0.00000 |  | 99 |  | XXXXXXXXXXX | NC | XXXXX | 1 | 1 |  | $XXX,XXX.XX | 3 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | 0.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | XXXX-XXX | 7a9fc452-e658-484b-b9b9-642956018e04 |
| 9999999 |  |  | 99 | XXXXXXX | UNK | XXXXXX | 20250626013 | 2 | 1 | 0 | 98 | $XXX,XXX.XX | $XX,XXX.XX | 0 | 0 | 0 |  |  |  |  |  |  | $XX,XXX.XX |  | XX/XX/XXXX | $XXX,XXX.XX | 0.08990 | 360 | 360 | XX/XX/XXXX | 2 | 0 | 0 |  |  |  |  | XX/XX/XXXX | 30 | 47 | 1 | 0.06990 | 3 | 0.001250 | 24 | 0.020000 | 0.000000 | 6 | 0.010000 | 0.010000 | 0.149900 | 0.089900 |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  |  |  | 2 | 0 | 0.00 | 0.00 | 0.00 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 0 |  |  |  | 111100001111221112200121 | 0 | 0 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 99 | 9999 | 9999 | 9999 | 9999 | 1 | 1 | 0.00 | $X,XXX.XX | 0.00000 | 0.117500 | 99 |  | XXXXXXXXX | AL | XXXXX | 1 | 1 |  | $XXX,XXX.XX | 3 |  |  |  |  |  |  |  |  | 1.149000 | 1.000000 | 0.00 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XX,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | XXXX-XXX | f81ff36f-e17e-4ba1-a3c6-25eba55f8dc6 |
| 9999999 |  |  | 99 | XXXXXXX | UNK | XXXXXX | 20250626014 | 1 | 1 | 0 | 1 | $XXX,XXX.XX | $XX,XXX.XX | 0 | 0 | 0 |  |  |  |  |  |  | $XX,XXX.XX |  | XX/XX/XXXX | $XXX,XXX.XX | 0.07700 | 360 | 360 | XX/XX/XXXX | 2 | 0 | 0 |  |  |  |  | XX/XX/XXXX | 90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 98 | 1 | 60 |  |  |  | 1 | 0 | 0.00 | 0.00 |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 0 |  |  |  | 000123344000001220001220 | 0 | 0 | 0.00 |  | 0.00 |  | 0.00 | 0.00 | 99 | 9999 |  | 9999 |  | 1 |  | 0.00 | $X,XXX.XX | 0.45980 |  | 99 |  | XXXXXXXXX | FL | XXXXX | 1 | 1 |  | $XXX,XXX.XX | 3 | XX/XX/XXXX |  |  |  |  |  |  |  | 1.000000 | 1.000000 | 0.00 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XX,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | XXXX-XXX | 70729f38-c541-495b-b88b-b16416bcf8f2 |

---

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** |
| **XXXXXXX Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **Alt Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626016 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626017 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626018 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626019 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626020 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626021 | $XXX,XXX.XX B | A | A | A | A | A D B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626022 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626023 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626025 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626026 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626028 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626029 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626030 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626031 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626032 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626033 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626034 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626035 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626036 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626037 | $XXX,XXX.XX B | A | A | A | A | A D B | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626038 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626039 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626040 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626041 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626042 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626043 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626044 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A B D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626045 | $XXX,XXX.XX A | B | B | B | B | B A | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626046 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626047 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626048 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626049 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626050 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626051 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626052 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626053 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626054 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626055 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626056 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626057 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626058 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626059 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626060 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626061 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626062 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626063 | $XXX,XXX.XX B | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626064 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626065 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626066 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626067 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626068 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626069 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626070 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626071 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626072 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626073 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626074 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626075 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626076 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626077 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626080 | $XXX,XXX.XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626081 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626082 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626083 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626084 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626085 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626086 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626087 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626088 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626089 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626090 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626091 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626092 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626093 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626094 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626095 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626096 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626097 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626098 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626099 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626100 | $XXX,XXX.XX A | D | D | D | D | D A | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626101 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626102 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626103 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626104 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626106 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626107 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626108 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626109 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626110 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626111 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626112 | $XXX,XXX.XX B | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626113 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626114 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626115 | $XXX,XXX.XX A | A | A | A | A | A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626116 | $XXX,XXX.XX D | D | D | D | D | D B A | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626117 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626118 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626119 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626120 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626121 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626122 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626123 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626124 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626125 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626126 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626127 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626128 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626129 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626130 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626131 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626132 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626133 | $XXX,XXX.XX B | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626134 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626135 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626136 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626137 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626138 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626139 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626140 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626141 | $XXX,XXX.XX A | D | D | D | D | D A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626142 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626143 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626144 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626145 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626146 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626147 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626148 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626149 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626150 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626151 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626152 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626153 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626154 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A B D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626155 | $XXX,XXX.XX A | A | A | A | A | A C | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626156 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626157 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626158 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626159 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626160 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626161 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626162 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626163 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626164 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626165 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626166 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626167 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626168 | $XXX,XXX.XX D | D | D | D | D | D A | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626169 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626170 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626171 | $XXX,XXX.XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626172 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626173 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626174 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626175 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626176 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626177 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626178 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626179 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626180 | $XXX,XXX.XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626181 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626182 | $XXX,XXX.XX A | D | D | D | D | D B A | D | D | D | D | D B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626183 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626184 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A B D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626185 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626186 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626187 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626188 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626189 | $XXX,XXX.XX D | A | A | A | A | A B D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626190 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626191 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626192 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626193 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626195 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626196 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626197 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626198 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626199 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626200 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626201 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626202 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626204 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626205 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A B D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626206 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A B D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626207 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626208 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626209 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626210 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626211 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626212 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626213 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626214 | $XXX,XXX.XX B | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626215 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626216 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626217 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626219 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626220 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626221 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A B D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626222 | $XXX,XXX.XX A | D | D | D | D | D A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626223 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626224 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626225 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626226 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626227 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626228 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626229 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626230 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626231 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626232 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626233 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626234 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626235 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626236 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626237 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626238 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626239 | $XXX,XXX.XX B | A | A | A | A | A D B | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626240 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626241 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626242 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626243 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626244 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626245 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626246 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626247 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626248 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626249 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626250 | $XXX,XXX.XX B | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626251 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626252 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626253 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626254 | $XXX,XXX.XX B | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626255 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626256 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626257 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626258 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626259 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626260 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626261 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626262 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626263 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626264 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626265 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626266 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626267 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626268 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626269 | $XXX,XXX.XX D | D | D | D | D | D A | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626270 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626271 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626272 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626273 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626274 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626275 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626276 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626277 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626278 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626279 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626280 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626281 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626282 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626283 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626284 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626285 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626286 | $XXX,XXX.XX B | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626288 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626289 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626290 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626291 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626292 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626294 | $XXX,XXX.XX A | D | D | D | D | D A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626295 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626296 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626297 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626298 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626299 | $XXX,XXX.XX B | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626300 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626301 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626302 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626303 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626304 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626305 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626306 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A B D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626307 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626308 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626309 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626310 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626311 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626313 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626314 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626315 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626316 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626317 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626318 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626319 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626320 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626321 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626322 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626323 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626324 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626325 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626326 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626327 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626328 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626329 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626330 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626331 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626332 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626333 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626334 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626335 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626336 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626337 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626338 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626339 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626340 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626341 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626342 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626343 | $XXX,XXX.XX A | B | B | B | B | B D A | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626344 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626345 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626346 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626347 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626348 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626349 | $XXX,XXX.XX A | D | D | D | D | D A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626350 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626351 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626352 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626353 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626354 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626355 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626356 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626357 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626358 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626359 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626360 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626361 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626362 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626363 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626364 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626365 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626366 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626367 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626368 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626369 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626370 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626371 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626372 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626373 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626374 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626375 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626376 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626377 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626378 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626379 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626380 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626381 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626382 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626383 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626384 | $XXX,XXX.XX A | A | A | A | A | A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626385 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626386 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626387 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626388 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626389 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626390 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626391 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626392 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626393 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626394 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626395 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626396 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626397 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626398 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626399 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626400 | $XXX,XXX.XX B | A | A | A | A | A D B | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626401 | $XXX,XXX.XX A | D | D | D | D | D B A | D | D | D | D | D B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626402 | $XXX,XXX.XX B | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626403 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626404 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626405 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626406 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626407 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626408 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626409 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626410 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626411 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626412 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626413 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626414 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626415 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626416 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626417 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626418 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626419 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626420 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626421 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626422 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626423 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626424 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626425 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626426 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626428 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626429 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626430 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626431 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626432 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626433 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626434 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626435 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626436 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626437 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626438 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626439 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626441 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626442 | $XXX,XXX.XX D | C | C | C | C | C D A | D | D | D | D | D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626444 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626445 | $XXX,XXX.XX A | B | B | B | B | B A | B | B | B | B | B A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626446 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626447 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626448 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626450 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626451 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626452 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626453 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626454 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626455 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626456 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626457 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626458 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626459 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626460 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626462 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626464 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626465 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626466 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626467 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626468 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626469 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626470 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626471 | $XXX,XXX.XX B | B | B | B | B | B A | B | B | B | B | B A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626472 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626473 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626474 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626475 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626476 | $XXX,XXX.XX A | B | B | B | B | B D A | B | B | B | B | B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626477 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626478 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626479 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626480 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626481 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626482 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626483 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626484 | $XXX,XXX.XX A | B | B | B | B | B A | B | B | B | B | B A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626486 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626487 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626488 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626489 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626490 | $XXX,XXX.XX A | D | D | D | D | D A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626491 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626492 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626493 | $XXX,XXX.XX D | C | C | C | C | C A D | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626494 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626495 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626496 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626497 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626498 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626499 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626500 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626501 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626502 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626503 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626504 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626505 | $XXX,XXX.XX B | A | A | A | A | A D B | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626506 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626507 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626508 | $XXX,XXX.XX B | A | A | A | A | A D B | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626509 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626510 | $XXX,XXX.XX B | A | A | A | A | A D B | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626511 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626512 | $XXX,XXX.XX B | A | A | A | A | A D B | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626513 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626514 | $XXX,XXX.XX B | A | A | A | A | A D B | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626515 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626516 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626517 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626518 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626519 | $XXX,XXX.XX A | A | A | A | A | A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626520 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626521 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626522 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626523 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626524 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626525 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626526 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626527 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626528 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626529 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626530 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626531 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626532 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626533 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626534 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626535 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626536 | $XXX,XXX.XX D | B | B | B | B | B D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626537 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626538 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626539 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626540 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626541 | $XXX,XXX.XX D | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626542 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626543 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626544 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626545 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626546 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626548 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626549 | $XXX,XXX.XX A | A | A | A | A | A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626550 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626551 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626552 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626553 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626554 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626555 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626556 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626557 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626558 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626559 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626560 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626561 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626562 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626563 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626564 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626565 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626566 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626567 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626568 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626569 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626570 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626571 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626572 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626573 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626574 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626575 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626576 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626577 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626579 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626580 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626581 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626582 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626583 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626584 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626585 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626586 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626587 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626589 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626590 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626591 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626592 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626593 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626594 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626595 | $XXX,XXX.XX D | D | D | D | D | D A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626596 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626597 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626598 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626599 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626600 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626601 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626602 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626603 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626604 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626605 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626606 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626607 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626608 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626609 | $XXX,XXX.XX B | D | D | D | D | D B | D | D | D | D | D B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626610 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626611 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626612 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626613 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626614 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626615 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626616 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626617 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626618 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626619 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A B D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626620 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626621 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626622 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626623 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626624 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626625 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626626 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626627 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626628 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626629 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626630 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626631 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626632 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626634 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626635 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626636 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626637 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626638 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626639 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626640 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626641 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626642 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626643 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626644 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626645 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626646 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626647 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626649 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626651 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626652 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626653 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626654 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626655 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626656 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626657 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626658 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626660 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626661 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626662 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626663 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626664 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626665 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626666 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626667 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626668 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626669 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626670 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626671 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626672 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626673 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626674 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626675 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626676 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626677 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626678 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626679 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626680 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626681 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626682 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626683 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626684 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626685 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626686 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626687 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626688 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626689 | $XXX,XXX.XX B | A | A | A | A | A D B | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626690 | $XXX,XXX.XX A | A | A | A | A | A D | D | D | D | D | D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626691 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626692 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626693 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626694 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626695 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626696 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626697 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626698 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626699 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626700 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626701 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626702 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626703 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626704 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626705 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626706 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626707 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626708 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626709 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626710 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626711 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626712 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626713 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626714 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626715 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626716 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626717 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626718 | $XXX,XXX.XX D | D | D | D | D | D A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626719 | $XXX,XXX.XX D | D | D | D | D | D A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626720 | $XXX,XXX.XX D | D | D | D | D | D B | D | D | D | D | D B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626721 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626722 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626723 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626724 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626725 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626726 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626727 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626728 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626729 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626730 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626731 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626732 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626733 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626734 | $XXX,XXX.XX A | D | D | D | D | D A | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626735 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626736 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626737 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626738 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626739 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626740 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626741 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626742 | $XXX,XXX.XX A | D | D | D | D | D A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626743 | $XXX,XXX.XX A | D | D | D | D | D B A | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626744 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626745 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626746 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626749 | $XXX,XXX.XX D | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626750 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626751 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626752 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626753 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626754 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626755 | $XXX,XXX.XX A | D | D | D | D | D A | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626756 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626757 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626758 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626759 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626760 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626761 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626762 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626763 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626764 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626765 | $XXX,XXX.XX D | A | A | A | A | A D B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626766 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626767 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626768 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626769 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626770 | $XXX,XXX.XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626771 | $XXX,XXX.XX D | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626772 | $XXX,XXX.XX D | D | D | D | D | D A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626773 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626774 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626775 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626776 | $XXX,XXX.XX D | A | A | A | A | A B D | A | A | A | A | A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626777 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626778 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626779 | $XXX,XXX.XX A | B | B | B | B | B A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626780 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626781 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626783 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626784 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626785 | $XXX,XXX.XX D | A | A | A | A | A D B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626786 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626787 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626788 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626789 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626791 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626792 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626793 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626794 | $XXX,XXX.XX D | D | D | D | D | D A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626796 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A B D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626797 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626798 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626799 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626800 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626801 | $XXX,XXX.XX D | B | B | B | B | B A D | B | B | B | B | B A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626802 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626803 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626804 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626805 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626806 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626807 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626808 | $XXX,XXX.XX A | D | D | D | D | D A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626809 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626810 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626811 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626812 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626813 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626814 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626815 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626816 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626817 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626818 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626820 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626821 | $XXX,XXX.XX D | A | A | A | A | A D B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626822 | $XXX,XXX.XX D | D | D | D | D | D B A | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626823 | $XXX,XXX.XX B | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626824 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626825 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626826 | $XXX,XXX.XX A | B | B | B | B | B A | B | B | B | B | B A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626827 | $XXX,XXX.XX D | A | A | A | A | A D B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626828 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626829 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626830 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626831 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626832 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626833 | $XXX,XXX.XX B | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626834 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626835 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626836 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626837 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626838 | $XXX,XXX.XX D | A | A | A | A | A D B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626839 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626840 | $XXX,XXX.XX A | D | D | D | D | D A | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626841 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626842 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626843 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626844 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626845 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626846 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626847 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626848 | $XXX,XXX.XX D | A | A | A | A | A B D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626849 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626850 | $XXX,XXX.XX D | A | A | A | A | A D | D | D | D | D | D A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626851 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626852 | $XXX,XXX.XX A | D | D | D | D | D A | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626853 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626854 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626855 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626856 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626857 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626858 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626859 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626860 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626863 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626864 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626865 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626866 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626867 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626868 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626869 | $XXX,XXX.XX D | A | A | A | A | A D B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626870 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626871 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626872 | $XXX,XXX.XX D | D | D | D | D | D A | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626873 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626874 | $XXX,XXX.XX D | A | A | A | A | A B D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626875 | $XXX,XXX.XX D | A | A | A | A | A B D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626876 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626877 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626878 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626879 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626880 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626881 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626882 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626883 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626884 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626885 | $XXX,XXX.XX D | A | A | A | A | A B D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626886 | $XXX,XXX.XX D | A | A | A | A | A B D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626887 | $XXX,XXX.XX A | D | D | D | D | D A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626888 | $XXX,XXX.XX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626889 | $XXX,XXX.XX D | A | A | A | A | A B D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626890 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626891 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626892 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626893 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626894 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626895 | $XXX,XXX.XX D | A | A | A | A | A D B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626896 | $XXX,XXX.XX D | A | A | A | A | A B D | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626897 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626898 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626899 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626900 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626901 | $XXX,XXX.XX A | A | A | A | A | A B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626902 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626903 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A D |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626904 | $XXX,XXX.XX D | A | A | A | A | A D B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626905 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626906 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626907 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626908 | $XXX,XXX.XX D | A | A | A | A | A D B | A | A | A | A | A B |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626909 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626911 | $XXX,XXX.XX D | A | A | A | A | A D | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626912 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626913 | $XXX,XXX.XX A | D | D | D | D | D A | B | B | B | B | B A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626914 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626915 | $XXX,XXX.XX A | A | A | A | A | A | A | A | A | A | A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **XXXXXXX Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **ALT Loan ID** | **Project Name** | **Detailed Status** | **Initial Overall Grade** | **Final Overall Grade** | **Initial Credit** | **Initial Value** | **Initial Compliance** | **Final Credit** | **Final Value** | **Final Compliance** | **Material Exceptions** | **Non-Material Exceptions** | **Resolved Exceptions** | **Acknowledged Exceptions** |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626016 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626017 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626018 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626019 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 2 | \*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 3<br> COMMENT: An LTV/CLTV of 98.19 is unacceptable the LTV is not within the guidelines. The cutoff requirement is 98%.<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV 3<br> COMMENT: An LTV/CLTV of 98.19 is unacceptable the LTV is not within the guidelines. The cutoff requirement is 98%.<br>\*\*\* (OPEN) Qualifying Credit Score does not meet eligibility requirement(s) - EV 3<br> COMMENT: Borrower 1 Representative Score is 592 which is not within the guidelines. The min. requirement is 640. | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 2<br> COMMENT: The transaction funded prior to consummation. Per the CD issued XX/XX/XXXX, the transaction funded on XX/XX/XXXX; however, consummation took place on XX/XX/XXXX. The defect can be resolved by providing the true funding date. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626020 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626021 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: This loan failed the charges that cannot increase test and the charges that cannot increase more than 10%. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures delivered timely. The statute of limitation has expired.<br>\*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application.<br>\*\*\* (OPEN) Special information booklet is Missing - EV 2<br> COMMENT: The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- Initial LE timing fail - EV 2<br> COMMENT: The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- SPL late - EV 2<br> COMMENT: The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. | \*\*\* (CURED) Value used by Lender for LTV Exceeds Sales Price or Appraisal - EV R<br> COMMENT: Appraised value is XXXk sale price per CD and purchase agreement is XXX,XXX. Audit used lower value. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626022 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 3<br> COMMENT: An LTV/CLTV of 98.19 is unacceptable the LTV is not within the guidelines. The cutoff requirement is 98%.<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV 3<br> COMMENT: An LTV/CLTV of 98.19 is unacceptable the LTV is not within the guidelines. The cutoff requirement is 98%.<br>\*\*\* (OPEN) Qualifying Credit Score does not meet eligibility requirement(s) - EV 3<br> COMMENT: Borrower 1 Representative Score is 592 which is not within the guidelines. The min. requirement is 640. | \*\*\* (OPEN) Application on/after 2010 and Service Provider List is Missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, tolerance threshold testing was not completed. The defect can be cured by providing the SPL.<br>\*\*\* (OPEN) Initial Good Faith Estimate is Missing - EV 2<br> COMMENT: The initial and/or any revised GFEs are missing from the loan file. The statute of limitation has expired. | \*\*\* (CURED) Missing AUS - EV R<br> COMMENT: Need Final AUS as same is missing from the file (DTI not match with the loan Analysis). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626023 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626025 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) QM Points and Fees - EV 2<br> COMMENT: This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1)) The following fees were included in the calculation:<br> Points - Loan Discount Fee paid by Borrower: $XXX.XX and Underwriting Fee paid by Borrower: $XXX.X If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626026 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase State Regulations Test Failed - EV 3<br> COMMENT: This loan failed the bona fide discount points test. (NC §24-1.1A (c)(1)(b)) The loan is a first lien mortgage and has a principal amount that is greater than or equal to $XX,XXX and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate. Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are marked as "Bona Fide - State." |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626028 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626029 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 2 | \*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 3<br> COMMENT: An LTV/CLTV of 98.19 is unacceptable the LTV is not within the guidelines. The cutoff requirement is 98%.<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV 3<br> COMMENT: An LTV/CLTV of 98.19 is unacceptable the LTV is not within the guidelines. The cutoff requirement is 98%.<br>\*\*\* (OPEN) Qualifying Credit Score does not meet eligibility requirement(s) - EV 3<br> COMMENT: Borrower 1 Representative Score is 592 which is not within the guidelines. The min. requirement is 640. | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the LE issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)). Without evidence of receipt, it is assumed that the disclosures dated XX/XX/XXXX and XX/XX/XXXX were mailed, and therefore not received by the consumer 4 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the disclosure 4 business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. The statute of limitation has expired.<br>\*\*\* (OPEN) Special information booklet is Missing - EV 2<br> COMMENT: There is no date evident on the Tool Kit provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626030 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626031 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626032 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626033 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 2 | \*\*\* (OPEN) DTI > 60% - EV 3<br> COMMENT: 67.923% DTI exceeds the maximum allowed of 55%. DU AUS required multiple accounts to be paid off prior to closing, however no evidence of the accounts being paid off in the file.<br>\*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV 3<br> COMMENT: 67.923% DTI exceeds the maximum allowed of 55%. DU AUS required multiple accounts to be paid off prior to closing, however no evidence of the accounts being paid off in the file.<br>\*\*\* (OPEN) No evidence of required debt payoff - EV 3<br> COMMENT: Required evidence of payoff for below mentioned liabilities present on credit report:XXXX XXXXXXXXX #XXXX, XXXXXXX/XXXXXXX #XXXX, XXXXXXX XXXX XXXX #XXXX, XXXXX XXXXXXX XXXX #XXXX, XXXXX XXX XXXX XX #XXXX, XXXXX/XXXXXXX XXX #XXXX, XXX/XXXXX #XXXX, XXXXX/XXXXXXXX #XXXX, XXXXX XXXXXXX XXXX #XXXX, XXXXXXXXXXXXXXX/XXXX #XXXX.<br>\*\*\* (OPEN) Qualifying Credit Score does not meet eligibility requirement(s) - EV 3<br> COMMENT: 9 Point Credit score exception. Minimum required credit score for a primary purchase transaction is 600, borrowers median credit score is 591. | \*\*\* (OPEN) Credit score does not meet guidelines - EV 2<br> COMMENT: Credit score does not meet lender guideline. As per guideline minimum credit score requirement is 600 but as per credit report it is 591.<br>\*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. The defect can be resolved by providing evidence showing the document was issued to the consumer within 3 business days of application.<br>\*\*\* (OPEN) Special information booklet is Missing - EV 2<br> COMMENT: The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test (12 CFR §1026.19(e)(3)(i)). The increase to the following fees on CD dated XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points - Loan Discount Fee $X,XXX.XX and Credit Report Fee $XX.XX. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626034 | XXXX (Non Rated Securitization) XX/XXXX | Client Reportable | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on 4/10/17 did not reset the baseline: Points - Loan Discount Fee. The violation may be cured if documentation is provided showing the disclosure was delivered timely. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID - 10% tolerance violation - EV 2<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase and addition to the following fee(s) was not accepted because a valid reason was not provided:Title-24 Months Chain $XXX.XX, Title-CLTA Fin Stmt Ln Guar with Add $XXX.XX, Title-Document Preparation $XXX.XX and Recording Fee $XXX on CD XX/XX/XXXX.A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626035 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626036 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626037 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 2 | 1 | 3 | 2 | 1 | 3 | \*\*\* (OPEN) ComplianceEase Exceptions Test Failed #2 - EV 3<br> COMMENT: The loan is an HPML. Evidence that a copy of a written appraisal with interior photos and performed by a certified appraiser was provided to the consumer is missing. Per Regulation, a creditor shall provide to the consumer a copy of any written appraisal performed in connection with a HPML. The defect can be resolved by providing evidence that shows the consumer received a copy of the appraisal report. | \*\*\* (OPEN) Application on/after 2014 and Homeownership Counseling Disc is not in file - EV 2<br> COMMENT: The loan file is missing the Homeownership counseling List.The statute of limitation has expired.<br>\*\*\* (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 2<br> COMMENT: The loan file is missing IEAD. The statute of limitation has expired.<br>\*\*\* (OPEN) Initial Good Faith Estimate is Missing - EV 2<br> COMMENT: The loan file is missing the initial GFE. The statute of limitation has expired.<br>\*\*\* (OPEN) Initial Truth in Lending Disclosure is Missing - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitation has expired.<br>\*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br> COMMENT: The loan file did not contain the loan program disclosure; loan was an ARM.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: TIL is not executed. The statute of limitation has expired.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br> COMMENT: The loan file is missing the Notice of servicing transfer. The statute of limitation has expired.<br>\*\*\* (OPEN) TIL not hand dated - EV 2<br> COMMENT: The TIL is not hand dated. | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: Total verified assets $XXXX.XX. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626038 | XXXX (Non Rated Securitization) XX/XXXX | Client Reportable | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) DTI > 60% - EV 3<br> COMMENT: The borrowers debts, specifically the investment property PITIA and the borrowers qualifying bonus income were improperly calculated at origination. As a result the borrowers DTI of 61.8% exceeds the maximum allowed of 55%, per the program matrix.<br>\*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV 3<br> COMMENT: Per the matrix for loan amounts exceeding $XXX,XXX1, with a credit score below 680, the maximum allowed DTI is 55%.<br>\*\*\* (OPEN) Hazard Insurance - EV 3<br> COMMENT: Loan file did not contain documentation confirming subject properties insurable value, therefore required amount of coverage could not be determined.<br>\*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: The current mortgage on the subject property was in the non-borrowing spouses name solely and not reporting on the borrowers credit report. The loan file did not contain documentation to document the most recent 12 month payment history, as required. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626039 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626040 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626041 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 2 | \*\*\* (OPEN) 1003 Application [information not provide] - EV 3<br> COMMENT: The 1003 states the borrowers have resided at their primary residence (subject property) for 2 years. Per the DRIVE report and appraisal, the borrowers purchased the home in XX/XXXX. The loan file is missing the revised 1003 with the correct length of time at primary residence of 15 months.<br>\*\*\* (OPEN) Asset do not meet guidelines - EV 3<br> COMMENT: XXX savings #XXXX statement dated XX/XX/XXXX - XX/XX/XXXX is not sourced and seasoned for 30 days, is missing pages 2-4, and the source for the large deposit of $XX,XXX.XX. <br> XXX checking #XXXX statement dated XX/XX/XXXX-XX/XX/XXXX is missing pages 2, 4 , and 6.<br>\*\*\* (OPEN) Completed "Subject To" w/o Compltn Cert in File - EV 3<br> COMMENT: Per the lender guidelines, a completion report is not required if appraisal is subject to completion of non-structural items. The appraisal is subject to inspection; IBTS report of the subject property is required due to the missing HUD data plate. The engineer foundation inspection report (pg 413) states foundation does not meet HUD standards, the piers under the home are acceptable and meet HUD standards but the home is not tied down as required. The loan file is missing appraisal update/completion report.<br>\*\*\* (OPEN) Property Issues indicated - EV 3<br> COMMENT: Engineer foundation inspection report (pg 413) states foundation does not meet HUD standards, the piers under the home are acceptable and meet HUD standards but the home is not tied down as required. | \*\*\* (OPEN) TRID - 10% tolerance violation - EV 2<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase/addition to the following fees was not accepted because a valid reason was not provided: Title - Escrow Fee $288.53, Title - Lenders Title Insurance $550.00 XX/XX/XXXX. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumers, PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- SPL late - EV 2<br> COMMENT: The Service Provider List issued on XX/XXXXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626042 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Qualifying Credit Score does not meet eligibility requirement(s) - EV 3<br> COMMENT: 38 Point Credit Score Exception. Minimum required credit score for a primary purchase transaction with the LTV of 96.5% and the DTI of 56.175% is 640, the lowest median credit score for the 3 borrowers is 602. |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy reflects an insured amount of $XXX,XXX.XX, which is less than the loan amount of $X,XXX,XXX.XX. Please provide updated title.<br>\*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: Need transfer warranty/Grant deed confirming vesting is in the name of borrower's. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626043 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements.<br>\*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumers, corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. | \*\*\* (CURED) Missing income documentation (ATR) - EV R<br> COMMENT: The loan files did not contain income documentation for calculation and assessment. Please provide income documents for review and consideration |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626044 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 2 | 3 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The PCCD issued on XX/XX/XXXX is inaccurate. Closing Date does not reflect the correct date when compared to the notary signature date on the Security Instrument. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626045 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).The statute of limitation has expired.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 4 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the disclosure 4 business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required.The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626046 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test (12 CFR §1026.19(e)(3)(i)). The increase to the following fees on CD dated XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Title - Lender's Title Insurance. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumers, corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626047 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 2 | \*\*\* (OPEN) Bankruptcy History does not meet guidelines - EV 3<br> COMMENT: Bankruptcy history does not meet guidelines - 24 months seasoning required. The Bankruptcy was terminated XX/XX/XXXX and loan closed XX/XX/XXXX. BK case summary in file page 252 indicate XX/XX/XXXX and the BK was "terminated" on XX/XX/XXXX - it was not discharged or dismissed. | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the Collateral Desktop Analysis and increase of the credit report on XX/XX/XXXX and XX/XX/XXXX was not accepted because a valid change of circumstance was not provided. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). \*\*Note-The CDA was $XXX.XX and credit report of $XX.XX less $XX.XX reimbursed at closing leaves a remainder of $XXX.XX. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- SPL late - EV 2<br> COMMENT: The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Missing title insurance of at least $XXX,XXX<br>\*\*\* (CURED) AUS: File does not contain all AUS Reports run - EV R<br> COMMENT: AUS not required for this program.<br>\*\*\* (CURED) DTI > 60% - EV R<br> COMMENT: DTI is 35.3/70.8% not 25.58/54.84% due to less income calculated from businesses for self employment and could not use XXXX rental income off 1040s because the XXXX 1040s were in the file and only 1 property claimed rental income in XXXX<br>\*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: DTI is 35.3/70.8% not 25.58/54.84% due to less income calculated from businesses for self employment and could not use XXXX rental income off 1040s because the XXXX 1040s were in the file and only 1 property claimed rental income in XXXX.<br>\*\*\* (CURED) QM Points and Fees - EV R<br> COMMENT: This loan has points and fees that exceed the points and fees threshold (12 CFR 1026.43(e)(3)). The loan amount is $XXX,XXX.XX or more, and the transaction's total points and fees is $XX,XXX.XX which exceeds 3 percent of the total loan amount of $XXX,XXX.XX. The following fees were included in the calculation: Mortgage Broker Fee (Indirect) $8,250.00; Points - Loan Discount Fee $6,294.00. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626048 | XXXX (Non Rated Securitization) XX/XXXX | Client Reportable | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) DTI > 60% - EV 3<br> COMMENT: 63.25% DTI Exceeds the maximum allowed DTI of 60%. Review calculated a lower income for the borrowers than the lender used.<br>\*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV 3<br> COMMENT: 63.25% DTI Exceeds the maximum allowed DTI of 60%. Review calculated a lower income for the borrowers than the lender used.<br>\*\*\* (OPEN) Missing asset documentation (ATR) - EV 3<br> COMMENT: Borrowers received gift funds in the amount of $4000, gift letter was not signed by the donor.<br>\*\*\* (OPEN) Qualifying Credit Score does not meet eligibility requirement(s) - EV 3<br> COMMENT: Qualifying credit score 593 does not meet minimum guideline requirements. Minimum FICO score is 640 for a DTI over 55% and LTV over 95%. LTV for property is 96.10% and DTI is 63.25%. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626049 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626050 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) MI, FHA or MIC missing and required - EV R<br> COMMENT: The MI Cert (LPMI) is missing. A full TILA review could not be performed. The defect can be resolved by providing the MI Cert.<br>\*\*\* (CURED) QM Points and Fees - EV R<br> COMMENT: This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1)) The following fees were included in the calculation: Funding, Wire, or Disbursement Fee paid by Borrower: $XXX.XX, Points - Loan Discount Fee paid by Borrower: $702.44, Underwriting Fee paid by Borrower: $995.00.<br> If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626051 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) QM Prohibited Features - EV 2<br> COMMENT: The loan contains prohibited features under the QM rule. The loan contains the following feature: interest-only payments. This is not a curable defect. Loan does not meet QM status. The statute of limitation has expired.<br>\*\*\* (OPEN) ROR missing critical data (expiration date / funding date) - EV 2<br> COMMENT: The Notice of Right to Cancel is present in file; however, expiration date is incorrect reflecting as XX/XX/XXXX which is prior to the consummation date XX/XX/XXXX. The defect can be resolved by providing the correct expiration date. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626052 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Repair/Final Inspection on disclosure XX/XX/XXXX was not accepted. Although the change appears to be valid, because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626053 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626054 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent.<br>\*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 3<br> COMMENT: LTV of 98.19% exceeds maximum of 98% permitted per guidelines.<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV 3<br> COMMENT: LTV of 98.19% exceeds maximum of 98% permitted per guidelines. | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 4 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the disclosure 4 business days prior to consummation. If disclosure was delivered electronically, evidence of receipt is required. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the revised LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baseline: Discount Point Fee $X,XXX.XX. The violation may be cured if documentation is provided showing the disclosure was delivered timely. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626055 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626056 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 2 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: Missing mortgage statement, tax and insurance information for the borrowers investment property located on XXXXXXXXXX XXX. Unable to determine if the taxes and insurance are escrowed. | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumers, PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626057 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 2 | \*\*\* (OPEN) Note data is missing or inaccurate - EV 3<br> COMMENT: The Note was not fully executed by the co-borrower.<br>\*\*\* (OPEN) Note is missing or unexecuted - EV 3<br> COMMENT: The co-borrower did not sign the note. | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)). Although evidence was provided showing the consumer received the emailed disclosures, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. The statute of limitation has expired.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). Although evidence was provided showing the consumer received the disclosure electronically, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626058 | XXXXX XXXX-11A |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) ComplianceEase Exceptions Test Failed - EV R<br>\*\*\* (CURED) ComplianceEase Risk Indicator is "Moderate" - EV R<br>\*\*\* (CURED) ComplianceEase TILA Test Failed - EV R<br> COMMENT: Compliance Report ran directly on CE. No TILA issues.<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: Post-Consummation Revised Closing Disclosure Timing Requirements - 01/29/XXXX <br> This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v)) The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation". The provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided. <br> Integrated Disclosures Tolerance & Reimbursement Provisions - 02/25/XXXX This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)).<br> The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). One or more of the final charges exceed the comparable amount. Your total tolerance violation is $500.00.<br> This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)). The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($702.00) exceed the comparable charges ($543.00) by more than 10%.<br> This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $500.00, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $604.70.<br> This loan failed the reimbursement date test. (12 CFR §1026.19(f)(2)(v)) The reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.<br>\*\*\* (CURED) Required Affiliated Business Disclosure missing/unexecuted - EV R<br> COMMENT: The Service Providers List on page 441 in the loan file reflect that the borrower used Lender's Choice Escrow and XXXXXX XXXXX XXXXX. Both affliates of the Lender were identified on CD 1/9/XXXX. The affiliated business disclosure is not found in the loan documents. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626059 | XXXXX XXXX-11A |  | 2 | 2 | 2 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) ComplianceEase Exceptions Test Failed - EV R<br>\*\*\* (CURED) ComplianceEase Risk Indicator is "Moderate" - EV R<br>\*\*\* (CURED) ComplianceEase TILA Test Failed - EV R<br> COMMENT: TThis loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1)) The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $100. Resulting in an under disclosed amount of $XXXX.XX.<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX. Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3) (i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. Reimbursement Amount Test reflects loan date of $XXX.XX whereas the comparison data reflects $XXXX.XX resulting in an under refund amount of $XXX.XX | \*\*\* (WAIVED) Missing asset documentation (ATR) - EV W<br> COMMENT: Per the guidelines, for cash-out proceeds from investment property transactions may not be used to meet required reserves. and all financed properties, other than the subject property, require an additional two 2 months reserves for each additional property. The borrower has 4 financed investment properties resulting in $34,883.64 reserves requirment; however, no assets were verified.<br>\*\*\* (WAIVED) Qualifying Credit Score does not meet eligibility requirement(s) - EV W<br> COMMENT: Per the guideline matrix, for DSCR less than 1.20 with floor of 1.00, the following requirements apply: Min FICO score of 680. The DSCR is 1.093 and the borrowers credit score is 665 which is below the minimum. The loan file is missing an exception. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626060 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) VA Loan Fees Not allowed - EV 3<br> COMMENT: This loan failed the loan origination fee test. (VA Pamphlet 26-7, Chapter 8.02, VA State Deviation Chart (5/23/2017)) The loan charges the veteran a loan origination fee and/or unauthorized fees, the total of which exceeds 1% of the loan amount, or 1% of the unpaid principal balance if the loan is an Interest Rate Reduction Refinance Loan (IRRRL). The following fees were included in testing:.Loan Origination Fee paid by Borrower: $X,XXX,XXX.XX,Title Examination Fee paid by Borrower: $XXX.XX,Title-CPL Fee paid by Borrower: $XX.XX The loan exceeds the 1% origination threshold by $XX.XX. The defect may be cured by reimbursing the consumer. | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 2<br> COMMENT: This loan failed the post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX.The PCCD was provided to correct the following item(s): Discount point fee $XXXX.XX.Per TRID regulation, corrected disclosures must be issued no later than 60 days after consummation. Defect has no cure. The statute of limitation has expired.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 4 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the disclosure 4 business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: There is no clear evidence of an initial application date in the file. The earliest 1003 in the file was prepared XX/XX/XXXX; however, the file contains documents dated prior to this date. Auditor is unable to determine the true initial application date and therefore, can't determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Homeownership Counseling Disclosure. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the Revised LE date test and Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX and XX/XX/XXXX did not reset the baseline: Discount Point Fee and Loan Origination Fee. The violation may be cured if documentation is provided showing the disclosure was delivered timely. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date,XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626061 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) and the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. The statute of limitation has expired.<br>\*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- Initial LE timing fail - EV 2<br> COMMENT: The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- SPL late - EV 2<br> COMMENT: The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626062 | XXXX (Non Rated Securitization) XX/XXXX | Client Reportable | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV 3<br> COMMENT: The VA IRRRL transaction indicates. For an IRRRL that results in a lower monthly principal and interest (P&I) payment, the recoupment period of fees, closing costs, and expenses (other than taxes, amounts held in escrow, and fees paid under chapter 37), incurred by the Veteran, must not exceed 36 months from the date of the loan closing. The recoupment for the subject transaction is 62.21 months. <br>The VA IRRRL transaction requires the due date of the first monthly payment of the loan being refinanced must be 210 days or more prior to the closing date of the refinance loan. The first payment of the loan being refinanced is XX/XX/XXXX, the subject closed XX/XX/XXXX, which is a seasoning of XXX days. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626063 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The CD issued on XX/XX/XXXX is inaccurate. The Title - E-Recording fee does not reflect the correct payee. Per regulation, the name of the person/company ultimately receiving payment for service should be listed.<br>\*\*\* (OPEN) Special information booklet is Missing - EV 2<br> COMMENT: The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626064 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626065 | XXXX (Non Rated Securitization) XX/XXXX | Client Reportable | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID - SPL missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. | \*\*\* (CURED) AUS: File does not contain all AUS Reports run - EV R<br> COMMENT: As per the guidelines, no need to require AUS in the file. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626066 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 2 | \*\*\* (OPEN) Pre-disclosed Exception - EV 3<br> COMMENT: Mortgage/Program Eligibility - Property Condition: C5 Subject was final approved by the Underwriter as C5 with a LP cert but not acceptable in "as is" condition. The appraiser comments indicate repairs that needed to be made. Per photos there is notable damage to ceilings in several rooms and unfinished construction in exterior wall.<br>\*\*\* (OPEN) Property Issues indicated - EV 3<br> COMMENT: Mortgage/Program Eligibility - Property Condition: C5 Subject was final approved by the Underwriter as C5 with a LP cert but not acceptable in "as is" condition. The appraiser comments indicate repairs that needed to be made. Per photos there is notable damage to ceilings in several rooms and unfinished construction in exterior wall. | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: The loan failed the Lender Credits that Cannot Decrease Test. Truth in Lending Act (Regulation Z)12 CFR 2016.19(e)(3)(i) & Official Comment 19(e)(3)(i)-5, -6; 12 CFR 1026.19(e)(3)(iv). Although the decrease may be valid, because a COC was not provided, auditor is unable to determine if the revised CD issued on XX/XX/XXXX was disclosed within 3 business days of the decrease to lender credits. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A PCCD was issued on XX/XX/XXXX however, did not include a refund for the decrease. A cost to cure in the amount of $XXX.XX is required. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626067 | XXXXXXX XXXXX - Compliance |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Pre-disclosed Exception - EV 2<br> COMMENT: An audit credit report and Accurint public record search confirmed the client had a $XXX,XXX.XX state tax lien filed on XX/XX/XXXXand prior to the loan closing on XX/XX/XXXX that remains outstanding. The credit report was pulled on XX/XX/XXXX and prior to the filing of tax lien on XX/XX/XXXX.<br>Disagree. Loan file contains no evidence of said Tax Lien |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626068 | XXXXXXX XXXXX - Compliance |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to discount points on XX/XX/XXXX was not accepted because a valid reason was not provided. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason. If curing with a reimbursment, the following documents are required: LOE to consumer, PCCD, copy of refund, a proof of delivery (mailing label).<br>\*\*\* (OPEN) DTI > 60% - EV 2<br> COMMENT: Loan was approved with a DTI of 56.74% per the AUS in file. The Actual DTI was over 60% and exceeds guidelines. The borrower stated on the 1003 that she lived rent free at XXX X XXXXX XXXXXX, and that the subject, XXXX XXXXXXXXXX XX. was a rental property. Within the loan file is a lease agreement showing the borrowers name on the XXX X XXXXX XXXXXX as a lessee, validating she is responsible for the rental obligation for her primary residence. This payment of $X,XXX.XX for her primary housing pushes the DTI to 67.8% which exceeds the AUS approval DTI of 56.74%<br>\*\*\* (OPEN) Pre-disclosed Exception - EV 2<br> COMMENT: DTI is above maximum guidelines. The client used proposed rental income under the Conversion of a Primary to Investment Property guidelines; however, the client's Power of Attorney informed QL that the client had not occupied the property for years and was renting an apartment, making the proposed rental income unacceptable. In addition, after including rent in the client's monthly debt obligations, the DTI increased to 100%.<br> Agree - The borrower stated on the 1003 that she lived rent free at XXX X XXXXX XXXXXX, and that the subject, XXXX XXXXXXXXXXX XX. was a rental property. Within the loan file is a lease agreement showing the borrowers name on the XXX X XXXXX XXXXXX as a lessee, validating she is responsible for the rental obligation for her primary residence. This payment of $X,XXX.XX for her primary housing pushes the DTI to 67.8% which exceeds the AUS approval DTI of 56.74% |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626069 | XXXXXXX XXXXX - Compliance |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV 2<br> COMMENT: The Origination Underwriter omitted a XX XXXX Auto loan of $XX,XXX.XX with a payment of $XXX per month. The loan file does not contain any evidence the loan was paid off or removed from the Borrowers name; therefore, the DTI increased at application from 40.90% to 56.4% exceeding guidelines.<br>\*\*\* (OPEN) DTI/Residual income outside of guidelines (ATR) - EV 2<br> COMMENT: The Origination Underwriter omitted a XX XXXX Auto loan of $XX,XXX with a payment of $XXX per month. The loan file does not contain any evidence the loan was paid off or removed from the Borrowers name; therefore, the DTI increased at application from 40.90% to 56.4% exceeding guidelines.<br>\*\*\* (OPEN) Missing sufficient employment documentation (ATR) - EV 2<br> COMMENT: Stated Defect: DTI exceeds max guidelines. We received a VOE post close revealing the client was not employed through closing. Client Relations has been following up but the client has not obtained new employment nor do they have any current offers.<br>Agree: The loan file contains a post closing VVOE dated XX/XX/XXXX (Note date was XX/XX/XXXX) documenting the Borrower was no longer employed with the qualifying employer as of XX/XX/XXXX. It should be noted that on XX/XX/XXXX the employer verified the borrowers current employment, which was also post closing.<br>\*\*\* (OPEN) Pre-disclosed Exception - EV 2<br> COMMENT: Stated Defect: DTI exceeds max guidelines. We received a VOE post close revealing the client was not employed through closing. Client Relations has been following up but the client has not obtained new employment nor do they have any current offers.<br>Agree: The loan file contains a post closing VVOE dated XX/XX/XXXX (Note date was XX/XX/XXXX) documenting the Borrower was no longer employed with the qualifying employer as of XX/XX/XXXX. It should be noted that on XX/XX/XXXX the employer verified the borrowers current employment, which was also post closing.<br>\*\*\* (OPEN) Unable to verify all credit obligations (ATR) - EV 2<br> COMMENT: The Origination Underwriter omitted a XX XXXX Auto loan of $XX,XXX.XX with a payment of $XXX er month. The loan file does not contain any evidence the loan was paid off or removed from the Borrowers name; therefore, the DTI increased at application from 40.90% to 56.4% exceeding guidelines. | \*\*\* (CURED) ComplianceEase Exceptions Test Failed - EV R<br>\*\*\* (CURED) ComplianceEase Risk Indicator is "Moderate" - EV R<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX.XX) exceed the<br> comparable charges ($XXX.XX) by more than 10%. There is no valid COC found in the loan documents, a valid COC for increase in fees is needed to clear finding.<br>\*\*\* (CURED) Missing evidence of TRID Disclosure Delivery - EV R<br> COMMENT: The initial and/or any revised CDs are missing from the file. As a result the following reviews could not be performed: TILA Accuracy, QM Testing, Federal and State Testing, tolerance violation review, and final Closing Disclosure accuracy. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626070 | XXXXXXX XXXXX - Compliance |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV 2<br> COMMENT: Stated Defect: Client is no longer employed. Closing Underwriting confirmed the client lost their job post closing. The client is self employed, however we are unable to use this income because he lacks self employment job history.<br>Agree: The VVOE dated XX/XX/XXXX on page 542 indicates the borrower was terminated from the qualifying employer XX/XX/XXXX. The loan closed XX/XX/XXXX.<br>\*\*\* (OPEN) DTI/Residual income outside of guidelines (ATR) - EV 2<br> COMMENT: Stated Defect: Client is no longer employed. Closing Underwriting confirmed the client lost their job post closing. The client is self employed, however we are unable to use this income because he lacks self employment job history.<br>Agree: The VVOE dated XX/XX/XXXX on page 542 indicates the borrower was terminated from the qualifying employer XX/XX/XXXX. The loan closed XX/XX/XXXX.<br>\*\*\* (OPEN) Pre-disclosed Exception - EV 2<br> COMMENT: Stated Defect: Client is no longer employed. Closing Underwriting confirmed the client lost their job post closing. The client is self employed, however we are unable to use this income because he lacks self employment job history.<br>Agree: The VVOE dated XX/XX/XXXX on page 542 indicates the borrower was terminated from the qualifying employer XX/XX/XXXX. The loan closed XX/XX/XXXX. | \*\*\* (CURED) ComplianceEase Exceptions Test Failed - EV R<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($892.68) exceed the<br> comparable charges ($778.00) by more than 10%. There is no valid COC for the increase in fees, a valid COC is needed to clear finding.<br>\*\*\* (CURED) Employment History Does Not Meet Guides - EV R<br> COMMENT: Loan closed XX/XX/XXXX, and Client is no longer employed as ofXX/XX/XXXX, per VVOE dated 0XX/XX/XXXX. Closing Underwriting confirmed the client lost their job post-closing. The client is self-employed; however, we are unable to use this income because he lacks self-employment job history.<br>\*\*\* (CURED) Missing Fraud Report - EV R<br> COMMENT: Loan file is missing clear CAIVRS<br>\*\*\* (CURED) Missing evidence of TRID Disclosure Delivery - EV R<br> COMMENT: The initial and/or any revised CDs are missing from the file. As a result the following reviews could not be performed: TILA Accuracy, QM Testing, Federal and State Testing, tolerance violation review, and final Closing Disclosure accuracy. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626071 | XXXXXXX XXXXX - Compliance |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 |  | \*\*\* (OPEN) Pre-disclosed Exception - EV 2<br> COMMENT: Client opened three debts prior to close that result in the DTI increasing to at least 70%. Client opened a $XX,XXX XXXXXXXX loan in XX/XXXX prior to close on XX/XX/XXXX with a monthly payment of $X,XXX.XX. The client opened two other debts whose payments were unable to be verified by a post close credit report due to being in collections. Those debts were a $XX,XXX.XX loan with XXXXXXX XXXX opened in XX/XXXX and a $XXX XXXXXXXXX XXXXXXXXXX revolving debt opened in XX/XXXX. DTI increases to 70% when only factoring in the XXXXXXXX debt.<br>Disagree - the loan file did not contain the Audit Credit Report to determine if additional debts were opened prior to closing.<br>\*\*\* (OPEN) Property zoned rural and contains more than 10 acres - EV 2<br> COMMENT: The Appraisal reflects the subject property is XX acres with a home of over XXXX square feet living area in Alabama. |  | \*\*\* (WAIVED) Missing Documentation - EV W<br> COMMENT: The subject property is located in a rural area on XX acres. The guidelines require a Field Review to be performed, which was not contained in the loan file.<br>\*\*\* (WAIVED) Original CLTV does not meet eligibility requirement(s) - EV W<br> COMMENT: The Appraisal reflects the subject property is rural and includes XX acres with a CLTV of 80%. The maximum CTV for rural properties is 75% per guidelines; therefore, the subject loan is an ineligible transaction.<br>\*\*\* (WAIVED) Original LTV (OLTV) does not meet eligibility requirement(s) - EV W<br> COMMENT: The Appraisal reflects the subject property is rural and includes XX acres with a LTV of 80 The maximum LTV for rural properties is 75% per guidelines; therefore, the subject loan is an ineligible transaction. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626072 | XXXXXXX XXXXX - Compliance |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) Pre-disclosed Exception - EV 2<br> COMMENT: Client opened a $XX,XXX auto loan with XXX XXXXXX X XXXXXX on XX/XX/XXXX which was prior to closing on XX/XX/XXXX. The monthly payment of $XXX increases the DTI to 57% making the loan ineligible. Disagree. Loan file does not contain any documentation to support a new debt opened prior to closing. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626073 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Asset do not meet guidelines - EV 3<br> COMMENT: Assets: Assets to be used for funds to close (down payment, closing costs, etc.)must be seasoned for 30 days. No XXXXXXXX or XX XXXXX statements found to support receipt of gift funds and origin of Earnest money deposits<br>\*\*\* (OPEN) Income documentation does not meet guidelines - EV 3<br> COMMENT: Borrower received XXXXXXXX XXXXXXX. Missing foreign currency conversion documentation in loan file to verify US Dollar equivalency.<br>\*\*\* (OPEN) Occupancy- Potential Occupancy Misrepresentation - EV 3<br> COMMENT: Borrower is purchasing a primary residence in Georgia. Documentation in file shows borrower residing in both Georgia and Canada based off of income documentation in file. IRS shows no transcripts for borrower for XXXX, XXXX or XXXX. Does not appear that subject property will be borrower's primary residence based off of documentation in loan file.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 3<br> COMMENT: The 1008 is missing from the loan file. |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file is missing the CAIVRS #.<br>\*\*\* (CURED) MI, FHA or MIC missing and required - EV R<br> COMMENT: The loan file is missing the FHA Certification. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626074 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) DTI > 60% - EV 3<br> COMMENT: The credit report from origination does not reflect any auto loans; however, does have an inquiry with XX XXXXXXXXXX on XX/XX/XXXX (p.185). The loan file contains an LOX for the inquiries; however, it is not completed or signed (p.188). The borrowers XXXXX XXXX statement XX/XX/XXXX-XX/XX/XXXX (p.203) reflects a payment on XX/XX/XXXX to XX XXXXX in the amount of $XXX.XX. The loan file contains evidence confirming the undisclosed debt and the DTI increased to 60.1%.<br>\*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV 3<br> COMMENT: The credit report from origination does not reflect any auto loans; however, does have an inquiry with XX XXXXXXXXXX on XX/XX/XXXX (p.185). The loan file contains an LOX for the inquiries; however, it is not completed or signed (p.188). The borrowers XXXXX XXXX statement XX/XX/XXXX-XX/XX/XXXX (p.203) reflects a payment on XX/XX/XXXX to XX XXXXX in the amount of $XXX.XX. The loan file contains evidence confirming the undisclosed debt and the DTI increased to 60.1%. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626075 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Application Fee of $X,XXX.XX and Tax Service Fee $XX.XX. The defect can be cured by reimbursing the consumer or providing a valid reason for the changes. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $X,XXX.XX is required.<br>\*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: The documentation to support the monthly income of $X,XXX.XX noted as VA disability is missing, also mortgage statement in file for property XXXX XXXX XX is dated XX/XX/XXXX reflects loan being past due payment due date XX/XX/XXXX. Missing updated current mortgage statement reflecting property is current. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626076 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) Application Missing - EV 3<br> COMMENT: The final loan application is missing<br>\*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: Missing the original note<br>\*\*\* (OPEN) Missing Doc - EV 3<br> COMMENT: Missing the case number assignment<br>\*\*\* (OPEN) TRID - 10% tolerance violation - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee was not accepted because a valid reason was not provided: Recording Fee $XXX.XX (CD dated XX/XX/XXXX & XX/XX/XXX). A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer, PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626077 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626080 | XXXX (Non Rated Securitization) XX/XXXX | Not Applicable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626081 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626082 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626083 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626084 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626085 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626086 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626087 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626088 | XXXXXXX XXXXX - Compliance |  | 3 | 3 | 3 | 1 | 3 | 1 | 1 | 1 |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed #2 - EV R<br> COMMENT: The loan is an HPML. Evidence that a copy of a written appraisal with interior photos and performed by a certified appraiser was provided to the consumer is missing. Per Regulation, a creditor shall provide to the consumer a copy of any written appraisal performed in connection with a HPML. The defect can be resolved by providing evidence that shows the consumer received a copy of the appraisal report. | \*\*\* (WAIVED) Missing Documentation - EV W<br> COMMENT: DU requires the borrower to complete a homeownership education program and the loan file does not contain evidence this was done.<br>\*\*\* (WAIVED) Final 1003 is Missing - EV W<br> COMMENT: The following errors were found on the final application: 1. The application states the borrower owns her current residence on page one; however, on page two, her present housing is listed as rent and there is no REO listed and the declarations state no ownership in the last three years, 2. The Demographic Information Addendum (p.124) does not have completed the section for how the application was taken.<br>\*\*\* (WAIVED) Ineligible Borrower - EV W<br> COMMENT: The DU Approval reflects the subject is approved as an HFA Preferred loan and requires the maximum allowable income for the area which the property is located. FNMA Area Median Income Lookup Tool reflects 80% of the AMI as $XX,XXX for HomeReady Income limit. The borrower's qualifying income is $XX,XXX.XX/year which exceeds the maximum limit for the program.<br>\*\*\* (WAIVED) Missing asset documentation (ATR) - EV W<br> COMMENT: The borrower verified only $X,XXX of the $X,XXX EMD. The borrower needed a total of $X,XXX.XX for EMD and closing ($X,XXX + $X,XXX.XX). The borrower verified $X,XXX EMD and has remaining funds of $X,XXX.XX for total verified of $X,XXX.XX. The borrower is short verified assets of $XXX,XX. Provide verification of the additional EMD funds of $X,XXX for sufficient funds.<br>\*\*\* (WAIVED) Missing evidence of TRID Disclosure Delivery - EV W<br> COMMENT: The Escrow Account Disclosure on the CD issued on XX/XX/XXXX when compared to the 1st page of the CD. The loan has monthly MI $XXX.XX and taxes and insurance $XXX.XX. Therefore, the escrow table should reflect $XXXX.XX under "Escrowed Property Costs over Year 1" and $XXX.XX under Monthly Escrow Payment.<br>\*\*\* (WAIVED) Pre-disclosed Exception - EV W<br> COMMENT: Stated Defect: Credit. Agree |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626089 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 2<br> COMMENT: This loan failed the revised Closing Disclosure delivery date test (no waiting period required):(12 CFR §1026.19(f)(2)(i)) The Closing Disclosure was received by the borrower at the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated XX/XX/XXXX; consummation took place on XX/XX/XXXX. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626090 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626091 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626092 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee(s) on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The transaction funded prior to consummation. Per the CD issued XX/XX/XXXX, the transaction funded on XX/XX/XXXX; however, consummation took place on XX/XX/XXXX. The defect can be resolved by providing the true funding date. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626093 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626094 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626095 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: Lender guidelines state if a borrower's mortgage history or rental history is not reported on the credit report, alternative documentation showing the most recent 12-month history must be provided. The credit report shows the XXXXXXXX XXXX XXXXXXXX opened XX/XXXX reviewed for 5 months thru XX/XXXX. The only prior mortgage reported is from XX/XXXX-XX/XXXX. Credit supplement (p.104) shows reviewed for six months. Per the loan application, the borrower previously rented for two years. The loan file is missing the prior rental payment verification to meet the 12 month housing history requirement. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626096 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) DTI > 60% - EV 3<br> COMMENT: Rental Income is not supported. The loan application reflects two rental properties that are both listed with no mortgages; although the mortgage interest is reported on the Schedule E for both properties. The properties are listed on the borrower's personal tax returns schedule E and there is no Schedule E showing the borrowers own any other businesses; however, monthly checks were provided showing the two property mortgages are paid by XXXXXXXXX XXXX XXXX XXXXXX XXX to support the omission. As the borrower reports the rental income and uses the mortgage interest for both properties, and there is no information about the XXX that pays the mortgages, the mortgage payments must be included. When using the XXXX tax returns Schedule E to calculate the rental income, there is a total net loss of $X,XXX.XX. This results in a DTI of 70.2% which exceeds the 3% tolerance and DU max of 50%.<br>\*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV 3<br> COMMENT: Rental Income is not supported. The loan application reflects two rental properties that are both listed with no mortgages; although the mortgage interest is reported on the Schedule E for both properties. The properties are listed on the borrower's personal tax returns schedule E and there is no Schedule E showing the borrowers own any other businesses; however, monthly checks were provided showing the two property mortgages are paid by XXX XXXXXX XXXX XXXX XXXXXX XXX to support the omission. As the borrower reports the rental income and uses the mortgage interest for both properties, and there is no information about the XXX that pays the mortgages, the mortgage payments must be included. When using the XXXX tax returns Schedule E to calculate the rental income, there is a total net loss of $X,XXX.XX. This results in a DTI of 70.2% which exceeds the 3% tolerance and DU max of 50%. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626097 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Full appraisal required. Form Type - EV 3<br> COMMENT: Missing full 1004 appraisal as required per guidelines, only a 2055 exterior inspection provided. DU AUS in the file required a full interior/exterior 1004 appraisal. |  | \*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: Guidelines do not require mortgage or rental history (guideline page 29, Mortgage or Rental History section).<br>\*\*\* (CURED) Property listed for sale in past 12 months - EV R<br> COMMENT: Guidelines do not specifically address this issue however properties that are currently listed for sale are eligible for refinance (guideline pages 67-68, Properties Listed for Sale). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626098 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: Missing the following mortgage statements : XXX XXXXXXXX, XXX XXXXXXXX, XXX XXX, XXX XXXXXXXX & also for primary residence XXX XXXXXXXX XXXX. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626099 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Amortized remaining term > stated orig. term / not balloon - EV R<br> COMMENT: Amortization remaining term is greater than the stated original term and loan is not balloon. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626100 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: VA Funding Fee. In addition, the increase to the Points on disclosure XX/XX/XXXX was not accepted. Although the change to the points appears to be valid, because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A total cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer, by providing a date for the change in points, and/or by providing a valid reason for the change to the funding fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | \*\*\* (CURED) Original LTV (OLTV) does not meet eligibility requirement(s) - EV R<br> COMMENT: LTV of 91.39% exceeds maximum LTV of 90%. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626101 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the LE issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626102 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Transfer Taxes on disclosure XX/XX/XXXX was not accepted. Although the change appears to be valid (loan amount change), because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. The statute of limitation has expired. " |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626103 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 2<br> COMMENT: This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)) The LE issued on XX/XX/XXXX was not received by the consumer 4-business days prior to the consummation date, XX/XX/XXXX. XX/XX does not count as a business day because this is a Federal Holiday. The defect has no cure. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626104 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The PCCD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument, nor does the Closing Date and Disbursement date agree with the CD.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The Initial Escrow Account Statement dated XX/XX/XXXX does not equal the starting escrow balance on the final CD nor the PCCD. The escrow statement must match the PCCD. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626106 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626107 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Discount Points. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: The final 1003 indicated the borrower has rented the last three months at XX XXXXXXX XXXX XXXX. and owned XXX XXXXXXXXXX XXXXX for 9 months which sold in XX/XXXX. However, the credit on page 157 only reflects 6 months mortgage history. The file is missing the VOR and previous mortgage history to complete 12 months housing history required by the guidelines. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626108 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 |  |  | \*\*\* (CURED) DTI > 60% - EV R<br> COMMENT: The origination underwriter calculated the income as $XXXX.XX. The loan file did not contain detailed documentation regarding the borrowers wages; therefore, the audit review used YTD and Prior year earnings average for employment of $4900.55 and Sch C income of $XXXX.XX totaling $XXXX.XX in income. As a result the DTI increased from 49.48% to 50.10% over the 50% maximum DTI guidelines.<br>\*\*\* (CURED) Employment Information Incomplete - EV R<br> COMMENT: The borrower earns income through self employment, in addition to W2 income, the loan file did not contain 3rd party verification of self employment as required.<br>\*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: There is no evidence of an initial CD provided to the non-borrower. Per regulation, CD(s) must be provided to all who have the right to rescind. The defect can be resolved by providing evidence showing the non-borrower received the disclosure timely.<br>\*\*\* (CURED) Pre-disclosed Exception - EV R<br> COMMENT: Stated Defect: No flaw. Investor did not agree with income averaging, loan aged out.<br> Agree<br>\*\*\* (CURED) ROR H9 form for the same Lender refinance was missing - EV R<br> COMMENT: The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (new advance of money with the same creditor). Model H-8 was provided; however, because the property is located in Pensylvania (3rd circuit), model H-9 should have been used.<br>\*\*\* (CURED) VVOE > 10 days prior to Note date - EV R<br> COMMENT: The loan file did not contain the VVOE dated within 10 days of the Note date of XX/XX/XXXX as required per DU. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626109 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626110 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)), the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)), Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The statute of limitation has expired.<br>\*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- SPL late - EV 2<br> COMMENT: The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Missing insurance coverage for primary residence.<br>\*\*\* (CURED) Missing Title evidence - EV R<br> COMMENT: Missing title documentation. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626111 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626112 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV 2<br> COMMENT: Review calculated income at $XX,XXX.XX based on tax returns; lender income calculated at $XX,XXX.XX. Lender income worksheet shows $XX,XXX yearly in business mileage. This figure was not reflected on the tax returns and was not included. This resulted in a DTI of 58.737% which exceeds lender guidelines which allow a max of 55%.<br>\*\*\* (OPEN) DTI/Residual income outside of guidelines (ATR) - EV 2<br> COMMENT: Review calculated income at $XX,XXX based on tax returns; lender income calculated at $XX,XXX.XX. Lender income worksheet shows $XX,XXX yearly in business mileage. This figure was not reflected on the tax returns and was not included. This resulted in a DTI of 58.737% which exceeds lender guidelines which allow a max of 55%. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626113 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) CLTV exceeds guidelines - EV 3<br> COMMENT: The HTLTV of 98.19% exceeds the maximum of 98%.<br>\*\*\* (OPEN) Consumer lates exceed guidelines - EV 3<br> COMMENT: Derogatory credit exceeds maximum of 2x30 and 1x60 in the past 12 months. Credit report dated XX/XX/XXXX. XXXXX student loan is reporting 5x30, 3x60, and 1x90 with last delinquent date of XX/XX/XXXX. XXXXXX-XX is reporting 3X30 with last delinquent date of XX/XX/XXXX.<br>\*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: There are two mortgage statements for the property located on X XXXXXXX XXXXXX. XXXXXX XXXXXXXX XXXXXXXXX #XXXX and XXX#XXXX. XXX not reporting on credit. The loan file is missing the refinance CD showing XXXXXX XXXXXXX was paid off OR the servicing transfer from XXXXXX to XXX.<br>\*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: The loan file is missing LOX that specifically addresses both the purpose and outcome of each inquiry, in the last 30 days of the credit report date |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626114 | XXXX XX/XXXX - Compliance |  | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | \*\*\* (OPEN) Appraisal is stale dated without recertification in file - EV 3<br> COMMENT: The Appraisal is dated XX/XX/XXXX with a Recertification of Value (p. 252) dated XX/XX/XXXX. The Note date is XX/XX/XXXX; therefore, the value is not dated within 120 days of the Note date as required.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate when compared to page 1 of the disclosure. The loan has a monthly MI of $XXX.XX and $XXX.XX for taxes and insurance. Therefore, the "Escrowed Property Costs Over 1 Year" (p4 Escrow Account) should reflect $X,XXX.XX and the "Monthly Escrow Payment" should reflect $XXX.XX. The defect can be resolved by providing corrected disclosures and proof of delivery (mailing label).<br>\*\*\* (OPEN) Pre-disclosed Exception - EV 3<br> COMMENT: Stated Defect: UNINSURED FHA: the loan was not insured due to an expired appraisal. FHA was contacted, and they would not reinstate the case number with the expired appraisal. Case Assignment: XX/X/XXX / Appraisal Logged: XX/XX/XXXX / Appraisal Expiration: XX/XX/XXXX and Funding: XX/XXXX<br> Agree | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML. Evidence that a copy of a written appraisal with interior photos and performed by a certified appraiser was provided to the consumer is missing. Per Regulation, a creditor shall provide to the consumer a copy of any written appraisal performed in connection with a HPML. The defect can be resolved by providing evidence that shows the consumer received a copy of the appraisal report. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626115 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 3 | 1 | 1 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Stated property value not supported. Secondary value required. - EV 3 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626116 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 3 | 2 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 3<br> COMMENT: The loan is an HPML, and there is no evidence in the file of a written appraisal, performed by a certified/licensed appraiser and including an inspection of the interior of the property. Per Regulation, a creditor may not extend a HPML without obtaining a written appraisal of the property prior to consummation. |  | \*\*\* (CURED) Escrow for MI but no MI cert in file - EV R<br> COMMENT: Per closing disclosure, mortgage insurance is escrowed, however no MI certificate in the file.<br>\*\*\* (CURED) MI, FHA or MIC missing and required - EV R<br> COMMENT: Missing evidence of the MI certificate in the file.<br>\*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: Missing copy of the appraisal in the file. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626117 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626118 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626119 | XXXX (Non Rated Securitization) XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626120 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626121 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Assets are not sufficient to close - EV 3<br> COMMENT: Asset short to close; documents in file indicate the borrowers are to receive $XXX,XXX.XX from sale of departing residence. Sales contract is in file, but missing final CD to verify sale was completed. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626122 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626123 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 2 | \*\*\* (OPEN) Missing Doc - EV 3<br> COMMENT: No asset documentation in file. File indicates the borrower's prior residence was sold and proceeds were used, but no documentation in file to verify sale. | \*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626124 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626125 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626126 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626127 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fee(s) on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Origination Fee. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 3<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well.<br>\*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: The file does not contain 12 months rental housing history as required by guidelines. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626128 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626129 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626130 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: The final 1003 on page 1112 was not signed. The initial 1003 is on page 808 dated XX/XX/XXXX. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626131 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Documentation Does Not Support - EV 3<br> COMMENT: The AUS in file reflects $XXX,XXX.XX appraised value and debts from old credit report. If the lender is relying on AUS a new one needs to be ordered reflecting the appraised value of $XXX,XXX.XX and updated debts per credit report, p. 1. |  | \*\*\* (CURED) Unable to verify PITI on other mortgage related obligations (ATR) - EV R<br> COMMENT: Missing tax information for for property XXXX XXXXXX XXX XX |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626132 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosure was delivered timely.<br>\*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 3<br> COMMENT: This loan failed the charges that cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures delivered timely.<br>\*\*\* (OPEN) Missing Title evidence - EV 3<br> COMMENT: Missing evidence of title.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: This loan failed the initial loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)). The Initial LE issued on XX/XX/XXXX is less than seven business days before the Consummation Date, XX/XX/XXXX. | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The Service Provider List issued on XX/XX/XXXX was not disclosed within 7 business days before consummation (XX/XX/XXXX). | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed #3 - EV R<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626133 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) Special information booklet is Missing - EV 2<br> COMMENT: There is no date evident on the Tool Kit provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626134 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file is missing the Replacement Cost Estimate from the hazard insurance company. The HOI policy in file p.120 shows coverage of $461,000 and does not indicate any additional coverage with a dollar amount or with a percentage. The appraisal does not reflect a land value for this detached condominium. The loan amount is $XXX,XXX<br>\*\*\* (CURED) Missing Doc - EV R<br> COMMENT: Condo HOI Master Policy for XXX XXXXXXXX p.1274 does not list the things that are covered by the policy or the coverage amount. It only shows the premium. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626135 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626136 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | \*\*\* (OPEN) Missing Appraisal - EV 3<br> COMMENT: The PIW was lost on the final DU. A full appraisal was required but not obtained.<br>\*\*\* (OPEN) Missing proof of hazard insurance - EV 3<br> COMMENT: The policy is not in file.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626137 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing Doc - EV 3<br> COMMENT: Missing tax and HOA documentation for the rental property located at XXX XXXXXXXXXXXX XX. |  | \*\*\* (CURED) ComplianceEase TILA Test Failed - EV R<br> COMMENT: Violation addressed under another category. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626138 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baseline: Points. The violation may be cured if documentation is provided showing the disclosure was delivered timely.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, X/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626139 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 3 | 1 | 3 | 3 | \*\*\* (OPEN) Missing Appraisal - EV 3<br> COMMENT: Appraisal Document is Missing in file. Final AUS approval in file did not allow a PIW.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626140 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626141 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626142 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing asset documentation (ATR) - EV 3<br> COMMENT: Bank statements provided shows a large deposit for $XX,XXX.XX on XX/XX/XXXX, no source of the large deposit provided. If the large deposit was not used in the assets, the borrower would not have sufficient funds to close. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626143 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Appraisal dated after closing - EV 3 XX/XX/XXXX. Note date is XX/XX/XXXX. Appraisal date is after closing date need appraisal report before closing date. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626144 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Completed "Subject To" w/o Compltn Cert in File - EV 3<br> COMMENT: Missing the 1004-S completion cert |  | \*\*\* (CURED) Property Issues indicated - EV R<br> COMMENT: Appraisal is showing subject to, need 1004d Form. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626145 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626146 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626147 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626148 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626149 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626150 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Amount of title insurance is less than mortgage amount - EV 3<br> COMMENT: The title reflected a loan amount of $XXX,XXX.XX, the subject loan amount is $XXX,XXX.XX.<br>\*\*\* (OPEN) Purpose does not meet eligibility requirement(s) - EV 3<br> COMMENT: The VA IRRRL requires the due date of the first monthly payment of the loan being refinanced must be 210 days or more prior to the closing date of the refinance loan. The first payment of the loan being refinanced is XX/XX/XXXX, the subject closed XX/XX/XXXX, which is a seasoning of 162 days. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626151 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626152 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626153 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent for both borrower and non-borrower spouse. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626154 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 2 | 3 | 1 | 2 | \*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 3<br> COMMENT: The lender has a simultaneous second mortgage of $XX,XXX.XX. CLTV of 101.536% exceeded the guideline limit of 100%. | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. | \*\*\* (CURED) ComplianceEase TILA Test Failed - EV R<br> COMMENT: The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is<br> understated by more than $100.<br>The loan is understated by XXX.XX. The following fees were included in the calculation: <br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Title - CPL paid by Borrower: $XX.XX<br> Title - erecording paid by Borrower: $XX.XX<br> Title - escrow paid by Borrower: $XXX.XX<br> Title - title wire fee paid by Borrower: $XX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX<br> Warehousing Fee paid by Borrower: $X,XXX.XX.<br>The defect can be cured by reimbursing the consumer or providing informaton as to why the violation is invalid. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626155 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626156 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626157 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626158 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test (12 CFR §1026.19(e)(3)(i)). The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Title - Courier Fee $XX.XX. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626159 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Stated property value not supported. Secondary value required. - EV 3<br> COMMENT: File does not contain Appraisal or documented CU Risk Score. Third Party Valuation supporting appraised value within 10% will be required if CU Risk Score exceeds 2.5. |  | \*\*\* (CURED) Appraisal not dated - EV R<br> COMMENT: Missing appraisal. Addressed in another finding.<br>\*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: DU findings dated XX/XX/XXXX requires full appraisal for condo on form 1073 and the Lender guidelines require full appraisal unless AUS allows PIW. The loan file is missing the required appraisal. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626160 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase State Regulations Test Failed - EV 3<br> COMMENT: This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5) The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX1). The violation may be cured by providing a PCCD with the true disbursement date and the final charged per-diem amount and/or providing the method used for calculating daily interest (360 and 365 pre-paid interest days per year were tested and both failed). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626161 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) QM Points and Fees - EV R<br> COMMENT: This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1)) The following fees were included in the calculation: <br> Administration Fee paid by Borrower: $XXX.XX, Lender fee paid by Borrower: $X,XXX.XX, Points - Loan Discount Fee paid by Borrower: $X,XXX.XX and Processing Fee paid by Borrower: $XXX.XX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626162 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626163 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626164 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626165 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626166 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626167 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626168 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 3 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 3<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1)). The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. The loan is understated by $XXX.XX. The following fees were included in the calculation: Document Preparation ($XXX), Processing ($XXX), Underwriting ($XXX), Flood Cert ($XX.XX), MERS Registration ($XX.XX), Closing Protection Letter ($XX), E-Doc ($XX), Recording Services ($XX), Settlement ($XXX), and Prepaid Interest ($XXX.XX). The defect can be cured by reimbursing the consumer or providing informaton as to why the violation is invalid. |  | \*\*\* (CURED) DTI > 60% - EV R<br> COMMENT: Final CD in file from the property located at XXXX XXXXXXX XX shows property was just refinanced. Final 1003 show rental income of $XXXX being used to offset expense. No documentation in file to support the rental income, causing DTI to rise above the maximum DTI of 55%. Please provide fully executed lease agreement or documentation to show the account being paid off.<br>\*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: Final CD in file from the property located at XXXX XXXXXXX XX shows property was just refinanced. Final 1003 show rental income of $XXXX being used to offset expense. No documentation in file to support the rental income, causing DTI to rise above the maximum DTI of 55%. Please provide fully executed lease agreement or documentation to show the account being paid off. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626169 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Credit report incomplete - EV 3<br> COMMENT: The provided Credit report on page 36 date XX/XX/XXXX reflect only score Model from Equifax. Need updated credit report with minimum two Fico score. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626170 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: As per the Insurance page 417 dwelling amount is $XXX,XXX.XX and loan amount is $XXX,XXX0. Need Replacement cost more than 25.00% to cover the loan amount.<br>\*\*\* (CURED) Income documentation is incomplete - EV R<br> COMMENT: As per the Final 1003, DU and 1008 borrower 2 other income is $XXX; however, other income is missing in the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626171 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626172 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points- Loan Discount Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed #2 - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Credit Report Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626173 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The Initial Escrow Account Statement dated XX/XX/XXXX shows an initial escrow balance of $XXX.XX8 whereas the CD dated XX/XX/XXXX on page 2 and 4 show an initial escrow balance of $XXX.XX. These figures must agree. |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: Tolerance cured at consummation |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626174 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626175 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) MI, FHA or MIC missing and required - EV R<br> COMMENT: Missing Loan Guaranty Certificate. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626176 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626177 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626178 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626179 | XXXX (Non Rated Securitization) XX/XXXX | Exempt | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 3<br> COMMENT: Final 1003 is missing in the loan file.<br>\*\*\* (OPEN) Missing AUS - EV 3<br> COMMENT: The AUS in the file (P 203), dated XX/XX/XXXX, was associated with the credit report (P 184), dated XX/XX/XXXX, with a mid-score qualifying score of 704. The file contained a new credit report (P 204), dated XX/XX/XXXX, reflecting a mid-score qualifying score of 700. The borrower's credit score decreased and the updated credit report is not associated with the AUS. An updated AUS is required based on the new credit report in the file that was obtained before the date of close, XX/XX/XXXX. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626180 | XXXX (Non Rated Securitization) XX/XXXX | Not Applicable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626181 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 3<br> COMMENT: Final 1003 not in file<br>\*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: Borrower previously rented. Missing 12 month rental history. |  | \*\*\* (CURED) MI, FHA or MIC missing and required - EV R<br> COMMENT: The MI Cert is missing. A full TILA review could not be performed. The defect can be resolved by providing the MI Cert. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626182 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 2 | 1 | 3 | 2 | \*\*\* (OPEN) Property Issues indicated - EV 3<br> COMMENT: Appraisal shows issues with the property condition. Exterior photos of the subject property shows tarps over the roof and that the porch is not attached to the subject property. Also, interior photos show that a wood stove has been removed, however there is a hole in the ceiling from the removal that has not been properly covered. Photos also so that there is missing flooring in the kitchen that is covered by plywood and gallon water bottles, which is safety issue. | \*\*\* (OPEN) ROR H9 form for the same Lender refinance was missing - EV 2<br> COMMENT: The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (-new advance of money with the same creditor). Model H-8 was provided; because the property is located in WA, model H-9 should have been used. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626183 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626184 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 2 | 3 | 1 | 2 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: The loan file is missing the LOE for credit inquiries. The credit report shows an inquiry from XXXXXXX XXXX/XXXXX XXX dated XX/XX/XXXX and missing documentation to verify if new debt was obtained. | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626185 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) CLTV exceeds guidelines - EV 3<br> COMMENT: 98.19% LTV/CLTV exceeds 98.00% maximum.<br>\*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: Missing LOE for credit inquiries. A letter of explanation that specifically addresses both the purpose and outcome of each inquiry, in the last 30 days of the credit report date, is required |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626186 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626187 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID Total of Payments (TOP) - EV 3<br> COMMENT: This loan failed the TRID total of payments test (12 CFR §1026.38(o)(1)). A cost to cure in the amount of $X,XXX.XX is required. The Total of Payments Calculations includes the following: Principal $XXX,XXX.XX, Interest $XXX,XXX.XX, Mortgage Insurance $0.00, and Loan Costs $X,XXX.XX. The defect can be cured by reimbursing the consumer or providing information as to the reason the violation is not valid. If curing with a reimbursement, the following documents are required: LOE to consumer, copy of the refund, and proof of delivery. The statute of limitation has expired. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626188 | XXXX XX/XXXX - Compliance |  | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 2 | \*\*\* (OPEN) Pre-disclosed Exception - EV 3<br> COMMENT: Stated Defect: Repurchase from J Heller side due to C5 rating.<br> Agree<br>\*\*\* (OPEN) Property Issues indicated - EV 3<br> COMMENT: The appraisal reflects a Condition status of C5 with comments that no updates have been done to the Kitchen and bath in 15 years, and are needed. | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626189 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626190 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | \*\*\* (OPEN) Missing flood cert - EV 3<br> COMMENT: Missing the flood certificate.<br>\*\*\* (OPEN) Missing proof of hazard insurance - EV 3<br> COMMENT: Missing evidence of homeowner's insurance.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX.<br>\*\*\* (OPEN) Special information booklet is Missing - EV 2<br> COMMENT: The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626191 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626192 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing asset documentation (ATR) - EV 3<br> COMMENT: Per the application, the borrower was qualified with assets from a personal account #XXXX, with $XXX.XX balance, and two business accounts #XXXX, $XX,XXX.XX balance and #XXXX $XX,XXX.XX. Statements from the accounts were in the file and supported the balances stated. However, the borrower owned only 50% of the business (P 474) and the required letter from a licensed tax professional verifying the withdrawal of the funds would not have a negative impact on the business, was not in the file. In addition, the personal account was a shared account with a non-borrower and a letter of verifying rights to full access was not in the file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626193 | XXXX (Non Rated Securitization) XX/XXXX | Not Applicable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626195 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Quality of Appraisal Report Unacceptable - EV 3<br> COMMENT: The subject property is a manufactured home.The original appraisal was completed on Form 1004. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626196 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626197 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626198 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626199 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626200 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely.<br>\*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 3<br> COMMENT: This loan failed the charges that in total cannot increase more than 10%. Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures delivered timely.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, 8/26/2020. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626201 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 3 | 1 | 3 | 3 | 1 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: CU score of 2.6. Missing additional valuation to confirm value within 10% varience.<br>\*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: Missing 12 month rental history. Borrower is a first time homebuyer that previously rented. |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: Tolerance violation cured at consummation. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626202 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Stated property value not supported. Secondary value required. - EV 3 |  | \*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: Missing appraisal report. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626204 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 3<br> COMMENT: Final Sch B reflects a 2nd lien opened on XX/XX/XXXX for $X,XXX.XX, CLTV 99.75% max allowed per XXXX purchase guidelines is 98%. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626205 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 2 | 3 | 1 | 2 | \*\*\* (OPEN) Missing required 1-4 family rider - EV 3<br> COMMENT: The Security Instrument is missing the following: 1-4 Family Rider. | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Discount Point. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, corrected PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626206 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 3 | 2 | 3 | 3 | 2 | \*\*\* (OPEN) Missing Assignment - EV 3<br> COMMENT: The notary's signature on the Security Instrument is inconsistent when compared to signed closing documents. The notary signed on XX/XX/XXXX; however, the consumer signed XX/XX/XXXX.<br>\*\*\* (OPEN) Occupancy- Potential Occupancy Misrepresentation - EV 3<br> COMMENT: Property indicated as secondary residence, however appears to be investment property based on documentation in loan file. HOI dec page shows loss of rents coverage. Property is a Condotel per documentation in loan file.<br>\*\*\* (OPEN) Property Type unacceptable under guidelines - EV 3<br> COMMENT: Property per documentation in file is a Condotel. Not eligible per guidelines. | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: This loan failed the charges that cannot increase test (12 CFR §1026.19(e)(3)(i) and the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. The statute of limitation has expired.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. The statute of limitation has expired. | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: Need supporting document for HOA of $XXX |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626207 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 3<br> COMMENT: Max LTV/CLTV for this program is 98% current CLTV/LTV is 98.19% based on sale price and appraised amount of XXXX<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV 3<br> COMMENT: Max LTV/CLTV for this program is 98% current CLTV/LTV is 98.19% based on sale price and appraised amount of XXX |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626208 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Missing Appraisal - EV 3<br> COMMENT: No appraisal waiver found on the AUS pg. 48. No appraisal was provided for review. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626209 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626210 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626211 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: Missing evidence of the sale of the borrower's current residence located at XXX XXXXXX XXXX XX, XXXXXX XXXXXXX, FL. Application and documentation in the file shows the property is currently pending sale, however no proof provided in the file that the property has been sold. If the mortgage payment of the current residence was included in the DTI calculation, the DTI would exceed 65%. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626212 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baseline: Discount Points and Transfer Taxes. The violation may be cured if documentation is provided showing the disclosure was delivered timely.<br>\*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD issued on XX/XX/XXXX was not received by the consumer 3-business days prior to consummation and a waiver was not provided. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation or a waiver stating why consummation took place prior to the 3-day rule. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626213 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: The violation is addressed under separate category.<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: 15 Day Extension (Lock Extension Fee). A cost to cure in the amount of $XXX.XX(borrower paid portion) is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626214 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) Special information booklet is Missing - EV 2<br> COMMENT: There is no date evident on the Tool Kit provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626215 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626216 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626217 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626219 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The loan failed the Revised Loan Estimate delivery date test (after issuance of Closing Disclosure). The Revised Loan Estimate issued on XX/XX/XXXX was issued on the same day or after providing the Closing Disclosure issued on XX/XX/XXXX.<br>\*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 3<br> COMMENT: Per Lender guidelines Matrix 4/1/2021. The Maximum LTV/CLTV allowed 80% with a minimum credit score 700 and Maximum DTI 50% for Purchase Transaction of Primary Residence. The loan was approved with LTV/CLTV 85%. Loan does not meet Lender guidelines Matrix requirement .<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV 3<br> COMMENT: Per Lender guidelines Matrix XX/XX/XXXX. The Maximum LTV/CLTV allowed 80% with a minimum credit score 700 and Maximum DTI 50% for Purchase Transaction of Primary Residence. The loan was approved with LTV/CLTV 85%. Loan does not meet Lender guidelines Matrix requirement . |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626220 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | \*\*\* (OPEN) Asset do not meet guidelines - EV 3<br> COMMENT: Only 1 month bank statement for the - XXXXXXXX XXXX checking\*\*XXXX(XX/XX/XXXX). Can be cured by providing the subsequent months bank statement showing the EMD withdrawal.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent.<br>\*\*\* (OPEN) Property Marketability Issues - EV 3<br> COMMENT: Appraisal is rated C5. Property condition is not acceptable and not inhabitable based on repairs listed.<br>\*\*\* (OPEN) Quality of Appraisal Report Unacceptable - EV 3<br> COMMENT: Comps do not support value. Property has multiple deferred maintenence listed, such as mold, broken windows, electrical problems. Comparables used are in good marketable condition with no obvious repairs noted. One comparable is currently under construction. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626221 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 2 | 3 | 1 | 2 | \*\*\* (OPEN) Final Inspection - EV 3<br> COMMENT: As per the Appraisal report page 5 property is subject to repair; however, 1004D is missing in the loan file. | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Credit Report. A cost to cure in the amount of $3XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626222 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626223 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626224 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626225 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626226 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626227 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626228 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Appraisal dated after closing - EV 3<br> COMMENT: 1075 Exterior Only Condominium Inspection and Clear Captial AVM in the file are both dated after closing, missing copy of the appraisal dated before closing. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626229 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing asset documentation (ATR) - EV 3<br> COMMENT: No assets documented in the file, however $XX.XX in verified funds needed to close. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626230 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) VOM or VOR missing/required - EV 3<br> COMMENT: The Applicable Guidelines (page 30 of 83) stated that a Housing Payment History, in the form of mortgage history/or rental history must be verified for the most recent 12 months. The Loan Application shows that the borrower has rented for the last 2.75 years with a monthly rental expense of $XXX.XX. There is no rental history documented in the loan file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626231 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626232 | XXXX (Non Rated Securitization) XX/XXXX | Missing File | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing Doc - EV 3<br> COMMENT: Page 77 Is a gift letter $80,000 from parent signed XX/XX/XXXX. Documentation to verify the funds were withdrawn from the donor's XXXX XXXX acct #XXXX |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626233 | XXXX (Non Rated Securitization) XX/XXXX | Exempt | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: The subject loan closed XX/XX/XXXX. The borrower recently refinanced primary residence on XX/XX/XXXX. The previous mortgage was paid off and the Final CD for the transaction was in the loan file, P 419. The previous mortgage does not appear on the credit report. The loan file did not contain a supplement or VOM to verify 12 months mortgage payment history. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626234 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626235 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Missing Appraisal - EV 3<br> COMMENT: The file was approved using a PIW. The loan amount was increased but the lender did not re-run DU. The PIW was no longer valid due to the increase. A full appraisal is required but not obtained. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626236 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) Amount of title insurance is less than mortgage amount - EV 3<br> COMMENT: Per the Title Commitment provided on file, the title insurance amount is $XXX,XXX.XX which is less than the mortgage amount of $XXX,XXX.XX.<br>\*\*\* (OPEN) TRID - 10% tolerance violation - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test. The addition of the following fees was not accepted because a valid change of circumstance was not provided: Title Commitment Fee & Title Closing Fee. A cost to cure in the amount of $XX.XX is required. The violation may be cured by reimbursing the consumer or providing a valid reason for the changes. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626237 | XXXX (Non Rated Securitization) XX/XXXX | Exempt | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: The credit report is only showing 8 months of mortgage history. Per the 1003, the borr has lived in the primary res for 3 years. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626238 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626239 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 2 | 1 | 3 | 2 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). Because the SPL was missing, fees in Section C were subject to 10% tolerance. The changes resulted in threshold to go above allowable tolerance. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase or providing evidence that shows the SPL was delivered timely. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 3<br> COMMENT: The CHARM Booklet is missing. The defect can be resolved by providing the missing disclosure.<br>\*\*\* (OPEN) Homeownership Counseling List - EV 3<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX.The defect can be resolved by providing evidence showing the document was issued to the consumer within 3 business days of application. | \*\*\* (OPEN) ComplianceEase RESPA Test Incomplete - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br> COMMENT: The Servicing Information under the Other Considerations section on the LE, issued on XX/XX/XXXX is not completed and no other LE's were located. The Servicing Disclosure not provided to the consumer within 3 days of application, XX/XX/XXXX. Defect has no cure. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626240 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ROR H9 form for the same Lender refinance was missing - EV 2<br> COMMENT: The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (-new advance of money with the same creditor). Model H-8 was provided; because the property is located in TX, model H-9 should have been used. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626241 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Income documentation is incomplete - EV R<br> COMMENT: Income shows borrower has 50% ownership in business, no CPA letter or documentation on file to show approval to use funds as reserves, Matrix requires 2 months reserves. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626242 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. | \*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD issued on XX/XX/XXXX was not received by the consumer 3-business days prior to consummation and a waiver was not provided. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation or a waiver stating why consummation took place prior to the 3-day rule. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626243 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626244 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) AUS: File does not contain all AUS Reports run - EV R<br> COMMENT: 1008 shows AUS Approve/Ineligible, but AUS is not in file.<br>\*\*\* (CURED) Comp Factor: Low DTI - EV R<br> COMMENT: Missing income documentation for proof of retirement, comp factors borrower has long term employment, professional employment, borrower 3 has consistent income Reserves over 5 years for DTI.<br>\*\*\* (CURED) Missing income documentation (ATR) - EV R<br> COMMENT: 1003 shows income from borrower 3 as retirement income. Documentation not on file.<br>\*\*\* (CURED) Unable to verify PITI on other mortgage related obligations (ATR) - EV R<br> COMMENT: File shows 2 other properties owned, one pending sale, Need additional of sale of property or documentation verifying Insurance/HOA/and Taxes. <br>2nd property is owned by Borrower 3 as per property profile, property is free and clear need documentation regarding payment for HOA/Taxes/Insurance in order to verify DTI |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626245 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) ComplianceEase State Regulations Test Failed - EV R<br> COMMENT: This loan failed the DTI provided test. (10 Pa. Code §46(2)(g)) This loan did not provide the debt-to-income ratio. In performing an analysis to determine whether an applicant will have the ability to repay an offered loan, a licensee must consider, verify and document the fixed expenses of the applicant.<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v)) Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $50.00, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX. Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3) (i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation.<br> This loan failed the charges that cannot increase test. The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626246 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: Missing secondary valuation required for securitization. No CU Score reported on UCDP Reports |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626247 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626248 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)). The increase to the following fees was not accepted because the change was not disclosed within 3-business days: Transfer Tax, credit report supplement. The transfer tax change occurred on XX/XX/XXXX; however, the disclosure was not issued until XX/XX/XXXX. The credit report supplement change occurred on XX/XX/XXXX; however, the disclosure was not issued until XX/XX/XXXX. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing evidence that the change was disclosed within 3-business days. If curing with a reimbursement, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title commitments in the file show the loan amount in the file as $286,000. An updated title commitment showing a loan amount of $XXX,XXX is required. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626249 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing Title evidence - EV 3<br> COMMENT: The file does not contain title policy reflecting title amount. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626250 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 2<br> COMMENT: 100% LTV exceeds lender guideline maximum LTV for cash out refinance of 90%. VA loan that was DU Approve/Eligible at 100% LTV.<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV 2<br> COMMENT: 100% LTV exceeds lender guideline maximum LTV for cash out refinance of 90%. VA loan that was DU Approve/Eligible at 100% LTV. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626251 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626252 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626253 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing proof of hazard insurance - EV 3<br> COMMENT: Evidence of Homeowners Insurance is not in the loan file. Per the lender guidelines: Evidence of insurance, from the insurance company, is necessary. As an alternative to evidence from the insurance company, Seller may provide policy provide the following minimum information: Name of insured, Subject property address, Insurance company name, Insurance company address, Policy number, Policy effective dates, Coverage type, Total coverage amount, Total premium, Balance due. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626254 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) Special information booklet is Missing - EV 2<br> COMMENT: The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626255 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626256 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626257 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: The XXXX and XXXX W2s for the primary borrower are not in file<br>\*\*\* (OPEN) Missing Doc - EV 3<br> COMMENT: The VOE for the primary borrower is not in file.<br>\*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 3<br> COMMENT: LTV of 99.459% exceeds maximum permitted of 98% per guidelines. Loan is a FHA Refinance.<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV 3<br> COMMENT: LTV of 99.459% exceeds maximum permitted of 98% per guidelines. Loan is a FHA Refinance. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626258 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626259 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Final 1003 is Missing - EV 3<br> COMMENT: The final 1008/1003 dated XX/XX/XXXX shows a 180 month term, proposed housing PITI payment of $XXXX.XX and DTI of 40.320%. The loan closed with 121 month term, proposed PITI payment of $XXXX.XX and DTI of 47.8%. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626260 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626261 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626262 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: This loan failed the charges that cannot increase test (12 CFR §1026.19(e)(3)(i)) and the loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. The statute of limitation has expired.<br>\*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 2<br> COMMENT: This loan failed the initial loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)). The Initial LE issued on XX/XX/XXXX is less than seven business days before the Consummation Date, X/XX/XXXX. The statute of limitations has expired.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date,XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. The statute of limitation has expired. | \*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: Borrowers reported to be currently renting. VOR not required per guidelines. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626263 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Occupancy- Potential Occupancy Misrepresentation - EV 3<br> COMMENT: The Lease agreement provided in file for departing residence reflects the name of the tenant, XXXXXXXXXX, which also appears on the borrowers paystub on page 294 as the Receipient. The HOI policy provided for subject property is a Landlord policy (Non Owner Occupied). The loan file does not contain clarification and support of intent to occupy the subject. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626264 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626265 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626266 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: No AVM/CDA noted |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626267 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 3<br> COMMENT: A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days.<br>\*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: The file did not contain 12 months rental housing history as required by guidelines.<br>\*\*\* (OPEN) Mortgage missing / unexecuted - EV 3<br> COMMENT: The file is missing the UCC filings. |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: Additional valuation not required per guidelines.<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase/addition to the following fee(s) was not accepted because a valid reason was not provided: Recording Fee (XX/XX/XXXX). A cost to cure in the amount of $XXX0 is required. The efect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626268 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Hazard Insurance - EV 3<br> COMMENT: The HOI coverage amount for subject property (XXXX XXXXXXX) $XXX,XXX.XX; However, the required hazard coverage amount is $XXX,XXX.XX. An updated HOI document is needed supporting the required coverage amount. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626269 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 3 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: State Tax / Stamps. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | \*\*\* (CURED) MI, FHA or MIC missing and required - EV R<br> COMMENT: The MI Cert is missing. A full TILA review could not be performed. The defect can be resolved by providing the MI Cert.<br>\*\*\* (CURED) Missing Doc - EV R<br> COMMENT: The final 1003 reflecting the final income was not located in the loan file.<br>\*\*\* (CURED) Occupancy- Potential Occupancy Misrepresentation - EV R<br> COMMENT: No Lox re occupancy in file. Subject is a new Primary. Borr is retaining existing primary, but subject is not comparable in desire and appeal. LOX was necessary. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626270 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626271 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626272 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626273 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: Recording Fee (XX/XX/XXXX). A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626274 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626275 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) missing AUS approval - EV R<br> COMMENT: DU Approve/Eligible is in file on page 275; however, the appraisal value of $XXX,XXX and LTV of 74% do not match the documentation in file. Appraisal value is XXX,XXXwith an LTV of 80.76%. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626276 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626277 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626278 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | \*\*\* (OPEN) Completed "Subject To" w/o Compltn Cert in File - EV 3<br> COMMENT: Appraisal completed as subject to inspection, missing 1004D<br>\*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The decrease to lender credits on the disclosures issued on XX/XX/XXXX and XX/XX/XXXX were not accepted. Although the decreases appears to be valid, because COC were not provided, auditor is unable to determine if the revised CDs were disclosed within 3 business days of the changes. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing the date of the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (OPEN) VOM or VOR missing/required - EV 3<br> COMMENT: Missing 12 months rental history | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The Cash to Close on the CCTC table on page 3 of the CD issued on XX/XX/XXXX in the LE column does not match the Estimated Cash to Close on the CCTC table (page 2) of the LE issued on XX/XX/XXXX. The CD shows $XXXX whereas the LE shows $XXXX; these two must match. The defect can be resolved by providing a corrected PCCD and proof of delivery (mailing label).<br>\*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 2<br> COMMENT: Loan approved at 100%LTV, max allowed per guidlines on a Full doc loan with loan amount $50k-$500k is 98%.<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV 2<br> COMMENT: Loan approved at 100%LTV, max allowed per guidlines on a Full doc loan with loan amount $50k-$500k is 98%. | \*\*\* (CURED) MI, FHA or MIC missing and required - EV R<br> COMMENT: FHA MI information missing in loan file |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626279 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Missing Appraisal - EV 3<br> COMMENT: Missing copy of the appraisal in the file. DU AUS in the file shows the subject loan is not eligible for a property inspection waiver. |  | \*\*\* (CURED) 1003 Application [information not provide] - EV R<br> COMMENT: Initial 1003 is missing in the loan file.<br>\*\*\* (CURED) Stated property value not supported. Secondary value required. - EV R<br> COMMENT: Loan was provided a rep and warrant on the appraisal. Nothing further needed. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626280 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626281 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Assets are not sufficient to close - EV 3<br> COMMENT: Closing disclosure missing verifying proceeds from sale of departing residence. Application indicates $XXX,XXX.XX to be received from sale. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626282 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. | \*\*\* (CURED) ComplianceEase State Regulations Test Failed - EV R<br> COMMENT: This loan failed the bona fide discount points test. (NC §24-1.1A (c)(1)(b))<br> The loan is a first lien mortgage and has a principal amount that is greater than or equal to $XX,XXX and charges discount points<br> that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.<br> Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are<br> marked as "Bona Fide - State." |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626283 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626284 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, X/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Documentation was not provided to verify the subject properties insurable value therefore sufficient dwelling coverage could not be determined. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626285 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626286 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626288 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626289 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: Missing third party valuation within 10% variance for securitization from the loan file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626290 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) MI, FHA or MIC missing and required - EV R<br> COMMENT: The MI Cert is missing. A full TILA review could not be performed. The defect can be resolved by providing the MI Cert. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626291 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626292 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626294 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626295 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626296 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID- Initial LE timing fail - EV 3<br> COMMENT: The initial Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cured by providing the initial and any revised Loan Estimates that were issued to the consumer. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626297 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: The loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)). The decrease to lender credits on PCCD XX/XX/XXXX was not accepted because the decrease occurred after consummation. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing any missing disclosures with the change. The following documents are required as well: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (OPEN) Income documentation does not meet guidelines - EV 3<br> COMMENT: Missing XXXX tax returns and XXXX P&L for the borrower's business, XXXXXXX XXXXXXXXXXXX XXXXXXXXX, loan only contains a CPA letter, XXXX tax returns and XXXX, XXXX, XXXX W2s in the file.<br>\*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 3<br> COMMENT: The PCCD issued on XX/XX/XXXX does not reflect the correct loan amount when compared to the Note.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 3<br> COMMENT: The loan failed the Right of Rescission test. The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation took place on XX/XX/XXXX and per the PCCD issued on XX/XX/XXXX, the loan disbursed on XX/XX/XXXX. Loan could not disburse until after the end of the rescission period; rescission ended on XX/XX/XXXX. The defect can be cured by providing the true funding date. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626298 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626299 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 2<br>\*\*\* (OPEN) Special information booklet is Missing - EV 2<br> COMMENT: The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date,XX/XX/XXXX. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626300 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626301 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Title is insured in the amount of $XXX,XXX and the Note reflects $XXX,XXX. Not enough coverage.<br>\*\*\* (CURED) Employment Information Incomplete - EV R<br> COMMENT: Need a LOX from the Employer as to why the start date on the WVOE pg 84 shows a start date of XX/XX/XXXX and on the WVOE from XX/XX/XXXX shows a start date of XX/XX/XXXX |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626302 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626303 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626304 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626305 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626306 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 3 | 2 | 3 | 3 | 2 | \*\*\* (OPEN) Completed "Subject To" w/o Compltn Cert in File - EV 3<br> COMMENT: The subject property appraisal provided in the loan file was completed Subject To Completion on XX/XX/XXXX. The property interior photos reflects drywall had not been completed, no fixtures or appliances in the kitchen or bathrooms. Evidence the unit was completed prior to closing on XX/XX/XXXX was not provided.<br>\*\*\* (OPEN) Occupancy- Potential Occupancy Misrepresentation - EV 3<br> COMMENT: The subject transaction was submitted and closed as a primary residence. Loan file documentation evidences the intentions of the property is an investment. The evidence of insurance provided in the loan file reflect the policy is a Rental policy. The fully executed mortgage for the subject property transaction reflects the borrowers address is not the subject property, but the current residence disclosed on the loan application. There was no evidence the occupancy intension was questioned or researched based on the file documentation.<br>\*\*\* (OPEN) Title issue - EV 3<br> COMMENT: The preliminary title report dated XX/XX/XXXX, was the only title information included dated pre-closing. The preliminary title did not reflect the amount of insurance or the borrower type. The title is for the new construction, showing ownership in the name of the developer. | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed thE XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Lender's Title Insurance, Notary Fee, and Settlement Fee. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626307 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626308 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: Borrower has 4 years rental history, verification of rent is not available. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626309 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 3<br> COMMENT: The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cured by providing the initial and any revised Loan Estimates that were issued to the consumer. | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626310 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee(s) on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. | \*\*\* (CURED) AUS: File does not contain all AUS Reports run - EV R<br> COMMENT: AUS not in the file. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626311 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626313 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626314 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626315 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626316 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) VOM or VOR missing/required - EV 3<br> COMMENT: Verification of 12 months rental history is not in the file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626317 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: There is no date evident on the 1003. Although the earliest 1003 may be signed and dated by the consumer(s), the prepared date is not provided and therefore, auditor is not able to determine the initial application date. Without this date, we cannot determine whether or not early disclosures, including the LE, were provided within 3-business days of the application. The defect can be resolved by providing the initial application date.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626318 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: Missing 12 month housing history. |  | \*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: The initial 1003 is missing. Unable to determine if the following were disclosed within 3 business days from the application date: Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Home Loan Toolkit, Homeownership Counseling Disclosure. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626319 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Amount of title insurance is less than mortgage amount - EV 3<br> COMMENT: The title in file p. 804 is for $XXX,XXX.XX. Needs to be increased to $XXX,XXX.XX<br>\*\*\* (OPEN) Final 1003 is Missing - EV 3<br> COMMENT: The completed original and final 1003 for co borrower is not in file. |  | \*\*\* (CURED) Title issue - EV R<br> COMMENT: Need to increase coverage to cover loan amount. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626320 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 3 | 1 | 3 | 3 | \*\*\* (OPEN) Quality of Appraisal Report Unacceptable - EV 3<br> COMMENT: Appraisal has comparables 1 & 3 that are superior to subject property and are across a major corridor, Comparable #2 is more in line with subject property, appraiser also included an additional comparable #4 but this is also superior to subject and across the same corridor and all are closer to the water. Only 1 comparable is consistent with subject property.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of Points-Loan Discount Fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626321 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626322 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 3 | 1 | 3 | 3 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: Missing Third Party Valuation Product to support the appraisal value with 10% variance.<br>\*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees was not accepted because the change was not disclosed within 3-business days: Mortgage Insurance Premium. The change occurred on XX/XX/XXXX; however, the disclosure was not issued until XX/XX/XXXX. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing evidence that the change was disclosed within 3-business days. If curing with a reimbursement, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626323 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626324 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) ComplianceEase State/Local Predatory Test Failed - EV R<br> COMMENT: This loan failed the DTI provided test. (MD SB270/HB363, Md. Code Ann., Com. Law II §12-127, 12-409.1, 12-925, 12-1029) The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was not provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability.<br>\*\*\* (CURED) ROR Transaction date not consistent with Note and/or HUD - EV R<br> COMMENT: The Right to Cancel Notice does not provide the borrower with three business days to rescind the transaction. The rescission date is three business days after the signing date, the date the borrower receives the Final CD, or the date the borrower receives the "Notice of Right to Cancel", whichever occurs last. The rescission date noted on the Right to Cancel Notice, XX/XX/XXXX is less than three business days from the XX/XX/XXXX |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626325 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: Missing full 12 months renatl history, file has verified 4 months rental. |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase/addition to the following fees on 5/27/XXXX was not accepted because a valid change of circumstance was not provided: Title Examination Fee - $XX.XX, Title - ERecording Fee - $XX.XX. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626326 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XXXXXX. If disclosure was delivered electronically, the E-consent is required as well.<br>\*\*\* (OPEN) VOM or VOR missing/required - EV 3<br> COMMENT: The final 1003 shows that the borrower rented for 15 years and 11 months (page 176). Page 177 shows Other > payment of $XXX in the Present Housing section. The applicable guidelines (page 30 of 83) state that a housing payment history, in the form of mortgage and/or rental history, must be verified for the most recent 12 months. The loan file is missing a 12 month housing history as required by the guidelines. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626327 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Rate Lock Fee- $XXX.XX. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626328 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626329 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing proof of hazard insurance - EV 3<br> COMMENT: Evidence of hazard insurance is not in the file |  | \*\*\* (CURED) AUS: File does not contain all AUS Reports run - EV R<br> COMMENT: AUS in file has a DTI of 42.39%, 1008 has a DTI of 53.133% Income calculated using Pension of $XXX.XX, also negative renatl income calculated of ($XXX.XX).<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: Valid COC XX/XX/XXXX is available for Lender Title Indurance Ploicy Fee. No Issue. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626330 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing asset documentation (ATR) - EV 3<br> COMMENT: The final HUD reflected the borrower was required to bring $XX.XX to closing. The file did not include documentation of assets. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626331 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626332 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626333 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626334 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: The guidelines require 12 months VOR, or bank statements to validate the borrowers rental history for the previous 12 month in the amount of $XXX. The loan file contains statement for the months of XX/XXXX,XX/XXXX and XX/XXXX validating this payment. The loan file is missing that additional 9 months to meet the requirement. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626335 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase HOEPA Test Failed - EV 3<br> COMMENT: The loan failed the higher-priced mortgage loan (HPML) required escrow account test. The loan fails to collect reserves for the following: Homeowner's Insurance and Property Taxes.<br>\*\*\* (OPEN) ComplianceEase HPML/HCM Test Failed - EV 3<br> COMMENT: The loan is an HPML, and there is no evidence in the file that an escrow account was in place at the time of origination. Per Regulation, a creditor may not extend a HPML unless an escrow account is established before consummation. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626336 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626337 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition to the following fee(s) on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Title Examination Fee and Upper Court Search. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626338 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626339 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 3<br> COMMENT: This loan failed the post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. The PCCD was provided to correct the following item(s): Page 4, Estimated Property Costs over Year 1. Per TRID regulation, corrected disclosures must be issued no later than 60 days after consummation. Defect has no cure. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626340 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626341 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626342 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626343 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee and Credit Report Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626344 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 3 | \*\*\* (OPEN) ComplianceEase State Regulations Test Failed - EV 3<br> COMMENT: This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5) The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).<br>\*\*\* (OPEN) VOM or VOR missing/required - EV 3<br> COMMENT: Per the guidelines, Housing payment history, in the form of rental history, must be verified for the most recent 12 months. |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: FTHB - PG 69 DU line 12 - at least one borrower was to receive housing counseling prior to closing. There is no evidence showing this requirement was satisfied. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626345 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626346 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Transfer Taxes. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626347 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) ComplianceEase Risk Indicator is "Elevated" - EV R<br> COMMENT: Violation addressed under a separate category. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626348 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626349 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626350 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fee(s) on 7/23/2020 was not accepted because a valid change of circumstance was not provided: Transfer Tax. A cost to cure in the amount of $XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626351 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 3 | 1 | 3 | 1 | \*\*\* (OPEN) Completed "Subject To" w/o Compltn Cert in File - EV 3<br> COMMENT: File is missing 1004D. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626352 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626353 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626354 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626355 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase/addition to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Title - Deed Preparation Fees. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | \*\*\* (CURED) Homeownership Counseling List - EV R<br> COMMENT: There is no date evident on the Homeownership Counseling Disclosure (HOC) provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application.<br>\*\*\* (CURED) Missing evidence of TRID Disclosure Delivery - EV R<br> COMMENT: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required.<br>\*\*\* (CURED) Required Affiliated Business Disclosure missing/unexecuted - EV R<br> COMMENT: ABD document is missing in the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626356 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626357 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626358 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626359 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan had a tolerance violation at consummation and it was resolved no later than 60 days after consummation. Because it was cured timely, grade is EV (B) |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626360 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase/addition to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points - Loan Discount Fee, Title - Document Preparation fee . A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626361 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The initial 1003 is missing. Unable to determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Home Loan Toolkit, Homeownership Counseling Disclosure. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626362 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626363 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626364 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626365 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626366 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626367 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626368 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626369 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626370 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Homeownership Counseling List - EV R<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. The defect can be resolved by providing evidence showing the document was issued to the consumer within 3 business days of application. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626371 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626372 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626373 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626374 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626375 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626376 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD issued on XX/XX/XXXX was not received by the consumer 3-business days prior to consummation and a waiver was not provided. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation or a waiver stating why consummation took place prior to the 3-day rule. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626377 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) ComplianceEase State/Local Predatory Test Failed - EV R<br> COMMENT: This loan failed the DTI provided test. (MD SB270/HB363, Md. Code Ann., Com. Law II §12-127, 12-409.1, 12-925, 12-1029) The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was not provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626378 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626379 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing evidence of TRID Disclosure Delivery - EV R<br> COMMENT: This loan failed the revised Closing Disclosure delivery date test (no waiting period required): Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer at the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626380 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626381 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase/addition to the following fees Appraisal on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided:. A cost to cure in the amount of $800 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626382 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626383 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626384 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Stated property value not supported. Secondary value required. - EV 3<br> COMMENT: Missing third party valuation product to support the Stated/PIW value |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626385 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626386 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626387 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626388 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626389 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Credit report >4 months old at closing - EV 3<br> COMMENT: Required to review Credit report, as submitted in AUS is more than 120 days. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626390 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: Recording Fee (XX/XX/XXXX). A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626391 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626392 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626393 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626394 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Comp Factor: Low DTI - EV R<br> COMMENT: Low DTI could be a comp factor if needed.<br>\*\*\* (CURED) Comp Factor: Low Orig LTV - EV R<br> COMMENT: Low LTV considered additional comp factor. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626395 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase/addition to the following fees was not accepted because a valid reason was not provided: Title - Chain of Title (LE XX/XX/XXXX); Title - Closing Protection Letter (LE XX/XX/XXXX); Title - Courier Messenger Fees (LE XX/XX/XXXX); Title - Electronic Document Title (LE XX/XX/XXXX); Title - Lender's Title Insurance (LE XX/XX/XXXX); Title - Policy Update Fee (LE XX/XX/XXXX); Title - Recording Service Fee (LE XX/XX/XXXX); Recording Fee(CD XX/XX/XXXX). A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumers, PCCD, copy of the refund, and proof of delivery (mailing label). |  | \*\*\* (CURED) AUS: File does not contain all AUS Reports run - EV R<br> COMMENT: AUS is missing in file. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626396 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition to the following fees on LE dated XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: e-closing fee $XX.XX. A cost to cure in the amount of $50.00 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumers, corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626397 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626398 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing AUS - EV 3<br> COMMENT: The AUS/DU contained in the loan file was submission #16 with a run date of XX/XX/XXXX; however, the subject loan closed XX/XX/XXXX. The loan file is missing the Final DU obtained prior to the subject loan closing. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626399 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Appraisal dated after closing - EV R<br> COMMENT: Date is correct system has resolved. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626400 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 2 | 1 | 3 | 2 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)), the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)), and the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. The statute of limitation has expired.<br>\*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) dated was not disclosed within 3 days of the application date, . The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID - 10% tolerance violation - EV 2<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID - SPL missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626401 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 2 | 1 | 3 | 2 | \*\*\* (OPEN) Completed "Subject To" w/o Compltn Cert in File - EV 3<br> COMMENT: 1004 D page 969 provided is not completed, section: " have improvements been completed" is not marked, there is no completion photos provided, per recap total of work to be done in the amount of $XX,XXX.XX.<br>\*\*\* (OPEN) Quality of Appraisal Report Unacceptable - EV 3<br> COMMENT: Appraisal not acceptable, property is in a Suburban area and appraiser provided 7 comparables all comparables are from 3.11 miles to 14.72 miles in proximity and gross adjustment are 37% to 20%. | \*\*\* (OPEN) TRID - 10% tolerance violation - EV 2<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase of the following fee(s) was not accepted because a valid reason was not provided: Recording Fee (XX/XX/XXXX). A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626402 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) Special information booklet is Missing - EV 2<br> COMMENT: There is no date evident on the Tool Kit provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626403 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626404 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV 3<br> COMMENT: Exceeds allowable DTI of 45% (one borrower has no scores).<br>\*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: Missing prior housing history or LOE; guidelines require a 12 month housing history or a satisfactory LOE if there is no history. | \*\*\* (OPEN) DTI/Residual income outside of guidelines (ATR) - EV 2<br> COMMENT: Borrower 2 does not have credit scores as required. Per lender guidelines, loans without scores may not exceed 45% DTI; subject DTI calculated at 48.646%.<br>\*\*\* (OPEN) Housing (Front) Ratio does not meet eligibility requirement(s) - EV 2<br> COMMENT: Borrower 2 does not have credit scores as required. Per lender guidelines, loans without scores may not exceed 45% DTI; subject DTI calculated at 48.646%. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626405 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures delivered timely.<br>\*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 3<br> COMMENT: This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures delivered timely.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The loan failed the Initial Loan Estimate delivery date test (from application). The LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. |  | \*\*\* (CURED) Unable to verify PITI on other mortgage related obligations (ATR) - EV R<br> COMMENT: Documentation verifying the PITI for the investment property is required. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626406 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: Missing mortgage statement for primary res: XXX XXXXXXXXX XX |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626407 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626408 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: Missing third party valuation within 10% variance from the loan file |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626409 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) LTV / CLTV > 100% - EV 3<br> COMMENT: File has a 2nd lien for $XX,XXX.XX , CLTV is 100.88% max allowed is 98% CLTV<br>\*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 3<br> COMMENT: File has a 2nd lien for $XX,XXX , CLTV is 100.88% max allowed is 98% CLTV |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626410 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Condo / PUD rider Missing - EV 3<br> COMMENT: Subject property is a PUD, missing evidence of the PUD rider in the file. |  | \*\*\* (CURED) Income documentation is incomplete - EV R<br> COMMENT: The co-borrower,XXXXXXXX XXXXX, works as a XXXXXXXX XXXXXXXXXX for XXXXXXX XXXXXXXXXXX XXXXXXXX XXX. which is located in XXXXXX, NJ. The borrowers are purchasing a primary residence located in XXXXXXX, GA. No evidence provided from the co-borrower's employer stating that they are aware of the relocation and the co-borrower will be working remotely. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626411 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626412 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626413 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing Doc - EV 3<br> COMMENT: Missing evidence of flood insurance. Subject is in flood zone AE and flood insurance is required. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626414 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626415 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Hazard Insurance - EV 3<br> COMMENT: Hazard Insurance policy available in file page 362 missing the mortgagee clause as it shows Mortgagee as "None". Need updated policy with correct mortgagee clause as "XXX XXX XXXXXXXX XXXXXXXXXXX". |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626416 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626417 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: Missing 12 month housing history required by guidelines. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626418 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626419 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - 10% tolerance violation - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test. The addition of the following fees was not accepted because a valid change of circumstance was not provided: Title- Notary Fee and Title- Processing Fee. A cost to cure in the amount of $XX.XX is required. The violation may be cured by reimbursing the consumer or providing a valid reason for the changes. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626420 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626421 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626422 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626423 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626424 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: There is no housing history in the loan file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626425 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626426 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Verification of Rent - EV 3<br> COMMENT: The loan file did not contain documentation verifying the housing payment for the Non Occupying Co-Borrower. |  | \*\*\* (CURED) DTI > 60% - EV R<br> COMMENT: DTI is 71% vs. AUS approval of 44.578%. This is due to borrowers overall income being significantly less. The borrower is employed seasonally and earned XXXX W2 wages were X,XXX.XX+ Unemployment compensation of $X,XXX for a total of $X,XXX.XX. Tax transcripts in file show a potential other employer but no information was provided in the loan file for this employer for consideration.<br>\*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: DTI is 71% vs. AUS approval of 44.578%. This is due to borrowers overall income being significantly less. The borrower is employed seasonally and earned XXXX W2 wages were $X,XXX.XX + Unemployment compensation of $X,XXX for a total of $X,XXX.XX. Tax transcripts in file show a potential other employer but no information was provided in the loan file for this employer for consideration. This finding is in error - max DTI is 55%<br>\*\*\* (CURED) DTI/Residual income outside of guidelines (ATR) - EV R<br> COMMENT: DTI is 48.3% vs. AUS approval of 44.578%, which exceeds acceptable tolerance. Review of borrowers income shows YTD income figure of $X,XXX.XX is supported with seasonal employment. Debts were higher than reflected with $X,XXXin housing for Borrower II and revolving debt of $394. This finding is in error - max DTI is 55%<br>\*\*\* (CURED) Missing income documentation (ATR) - EV R<br> COMMENT: This was never a finding - all income docs are received.<br>\*\*\* (CURED) QM Points and Fees - EV R<br> COMMENT: This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXX,XXX.XX or more, and the transaction's total points and fees is $XX,XXX.XX, which exceeds 3 percent of the total loan amount of $XXX,XXX.XX. The following fees were included in the calculation: Mortgage Broker Fee (Indirect) $XX,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX Underwriting Fee paid by Borrower: $XXX.XX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626428 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) DTI > 60% - EV 3<br> COMMENT: Audit income $X,XXX.XX and adjusted DTI 79.4% which exceeds the lender maximum of 55%<br>\*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV 3<br> COMMENT: Audit income $X,XXX.XX and adjusted DTI 79.4% which exceeds the lender maximum of 55%.<br>\*\*\* (OPEN) DTI/Residual income outside of guidelines (ATR) - EV 3<br> COMMENT: Audit income $X,XXX.XX and adjusted DTI 79.4% which exceeds the lender maximum of 55% |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The preliminary title report in the file does not list the amount of insurance or mortgagee. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626429 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increases to the Lock Extension on the disclosures dated XX/XX/XXXX and XX/XX/XXXX were not accepted. Although the changes appear to be valid, because COC were not provided, auditor is unable to determine if the revised disclosures were provided within 3 business days of the changes. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (OPEN) Credit history insufficient/does not meet guidelines (ATR) - EV 3<br> COMMENT: The file contains a credit report dated XX/XX/XXXX (p.221) that is expired at the time of the Note and then and updated credit report dated XX/XX/XXXX (p.128); however, this one does not have scores. The loan file does not have a credit report with scores dated within 120 days of the Note. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626430 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626431 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test: (12 CFR §1026.19(f)(1)(ii)) The initial CD issued on XX/XX/XXXX was not received by the consumer 3-business days prior to consummation and a waiver was not provided. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation or a waiver stating why consummation took place prior to the 3-day rule. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626432 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R The title commitment coverage of $XXX,XXX is insufficient for the Note amount of $XXX,XXX and the loan file does not contain the final title policy to verify sufficient title coverage was obtained.<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Title - Endorsements- $40.00 and Title - Deed Prep- $55.00, Aapraisal Fee- $200.00 and Credit Report-$50.32. A cost to cure in the amount of $XXX.XX is required. However, because $70.00 was reimbursed, only $200.32 is now due. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626433 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626434 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: Not required by program. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626435 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626436 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626437 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Right of Rescission missing or unexecuted - EV R<br> COMMENT: The Right to Cancel Notice is missing from the loan file. Unable to determine if the applicable version was provided to all required parties. The defect can be cured by providing the document. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626438 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Hazard Insurance - EV 3<br> COMMENT: The HOI coverage amount for subject property is $XXX,XXX.XX. The required amount is $XXX,XXX.XX. An updated HOI document is needed supporting the required coverage. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626439 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626441 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $X,XXX.XX8 is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626442 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 3 | 3 | 1 | 3 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: Recording Fee, XX/XX/XXXX. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (OPEN) Missing Appraisal - EV 3<br> COMMENT: A full appraisal as not obtained. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626444 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626445 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 2 | 1 | 1 | 2 | 1 |  | \*\*\* (OPEN) Property value and predominant value vary by more than 50% - EV 2<br> COMMENT: Appraisal states the following in regards to predominant value: The subject's value is greater than the neighborhood predominant value, but is not over built for the area. - no issue to the appraisal. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626446 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Hazard Insurance - EV 3<br> COMMENT: The subject (XXXX XXXXXXXXX XX.) HOI coverage amount is $XXX,XXX.XX; However, the required hazard coverage amount is $XXX,XXX.XX. An updated HOI document is needed supporting the required amount of coverage. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626447 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Missing title insurance of at least $XXX,XXX.XX<br>\*\*\* (CURED) AUS: File does not contain all AUS Reports run - EV R<br> COMMENT: AUS not required for this program.<br>\*\*\* (CURED) |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626448 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 3 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) VOM or VOR missing/required - EV 3<br> COMMENT: Missing proof of 12 month history, Per 1003 borrower rents prior home for 5 months, need complete 12 months of combined rental and mortgage history. |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Missing appraisal<br>\*\*\* (CURED) Appraisal not dated - EV R<br> COMMENT: Missing Appraisal<br>\*\*\* (CURED) AUS: File does not contain all AUS Reports run - EV R<br> COMMENT: Per 1008 in file loan approved DU / Eligible, DU provided in file is refer with Caution, need updated DU or 1008.<br>\*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: Missing appraisal |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626450 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626451 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626452 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 3 | 1 | 3 | 3 | 1 | \*\*\* (OPEN) Property is Commercial Prop - EV 3<br> COMMENT: he subject is a condotel located in XXXXXXXX XXXXXXX XXXXX XXXX XXXXX<br>\*\*\* (OPEN) Property Type does not meet eligibility requirement(s) - EV 3<br> COMMENT: he subject is a condotel located in XXXXXXXX XXXXXXX XXXXX XXXX XXXXX |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626453 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626454 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626455 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626456 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626457 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626458 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on <1XX/XX/XXXX> was not accepted because a valid change of circumstance was not provided: Add'l Endorsement Fee, Settlement or Closing Fee, Title - Abstract or Title Search, Title - Lenders Title Policy. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626459 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626460 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Stated property value not supported. Secondary value required. - EV 3 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626462 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626464 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Qualifying Credit Score does not meet eligibility requirement(s) - EV 3<br> COMMENT: 4 Point Credit Score Exception. Minimum required credit score for a primary, purchase transaction with the LTV of 96.50% is 640, the borrowers median credit score is 636. |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: The guidelines require 1 monthly statement (for depository accounts) and for funds to be seasoned for 30 days. A total of 3 consecutive statements were provided for the XXXXX XXXXX account #XXXX, (statement ending XX/XXXX, XX/XXXX, XX/XXXX) which verify the borrower was not an owner of the account until the statement ending XX/XXXX. Therefore, only funds deposited into the account ($XXXX.XX during this time frame would be considered seasoned eligible funds that the borrower has access to. Additionally, the loan file contained a gift letter in the amount of $8000 dated XX/XX/XXXX. The copy of the actual $8000 gift check reflects it is made payable to the non-borrowing spouse only. The most recent dated bank statement, that the borrower is an owner of the account, did not reflect the deposit of the gift funds. These funds cannot be considered for the borrowers assets. The loan file did not contain documentation verifying sufficient funds to close.<br>\*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: Guidelines do not require residency to be verified. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626465 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626466 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - 10% tolerance violation - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test. Although the addition/increase may be valid, because a COC was not provided, auditor is unable to determine if the CD issued on XX/XX/XXXX was disclosed within 3 business days of the change. Therefore, the increase to/addition of the following fees was not accepted:ATLA 9-06 Restrictions, XXXXXXX XXXXX XXXXXXXXX, Title Endorsement Fee, Title Update. A cost to cure in the amount of $XXX.XX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626467 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Hazard Insurance - EV 3<br> COMMENT: The subject property XXXX XXXXX XXX. HOI coverage amount is $XXX,XXX.XX; However, the required hazard amount is $XXX,XXX.XX. An updated HOI document is needed supporting the required coverage amount. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626468 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626469 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626470 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID - SPL missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626471 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing credit report - EV R<br> COMMENT: The loan file did not contain a Credit Report as required.<br>\*\*\* (CURED) QM Points and Fees - EV R<br> COMMENT: This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXX,XXX.XX or more, and the transaction's total points and fees is $X,XXX.XX, which exceeds 3 percent of the total loan amount of $XXX,XXX.XX The following fees were included in the calculation: Mortgage Broker Fee (Indirect) $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. | \*\*\* (WAIVED) Completed "Subject To" w/o Compltn Cert in File - EV W<br> COMMENT: The Appraisal report was made subject to repairs; however, there were no repairs reflected as required on the report. The loan file did not contain a Completion Cert or a corrected Appraisal reflecting an as is condition.<br>\*\*\* (WAIVED) Pre-disclosed Exception - EV W<br> COMMENT: Sated Defect:Engineers cert was returned as non Compliant as home frame is not welded to cross i-beam.<br> Disagree. The loan file contains an FHA Appraisal that reflects on page 142 Conditions of Appraisal "after acceptable compliance with the Permanent Foundations Guide for Manufactured Housing the subject dwelling complies to the FHA Minimum requirements set forth in Hand Book 4000.1 and all applicable mortgage letters." FHA does not require an Engineers Cert on Manufactured Housing, unless deficiencies are reported on the appraisal. The loan file did not contain an Engineers Cert, and it was not required to be provided to the lender. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626472 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing proof of hazard insurance - EV 3<br> COMMENT: If evidence of insurance is missing, Seller or successor may estimate annual insurance premium by multiplying lesser of outstanding mortgage amount or property value by 0.05% $XXX,XXX x 0.005 = $XXXX |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Per the Sched A on page 552, the proposed policy amount is $XXX,XXX The minimum policy amount is $XXX.XXX |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626473 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626474 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626475 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626476 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 2 | 3 | 1 | 2 | 3 | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 3<br> COMMENT: There is no evidence of an initial CD provided to the non-borrower. Per regulation, CD(s) must be provided to all who have the right to rescind. The defect can be resolved by providing evidence showing the non-borrower received the disclosure timely. If disclosure was received electronically, the Econsent is required as well. | \*\*\* (OPEN) Stated property value not supported. Secondary value required. - EV 2<br> COMMENT: 801 Appraisal Waiver Stated Value $XXX,XXX.XX. Appraisal Rep & Warrant. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626477 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX and XX/XX/XXXX were not accepted because a valid change of circumstance was not provided: Appraisal Fee and Transfer Taxes. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626478 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID - 10% tolerance violation - EV 2<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase of the following fee(s) was not accepted because a valid reason was not provided: Lenders Title Insurance (XX/XX/XXXX). A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626479 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Appraisal fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626480 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626481 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626482 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626483 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626484 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 2 | 1 | 1 | 2 | 1 |  | \*\*\* (OPEN) Stated property value not supported. Secondary value required. - EV 2<br> COMMENT: 801 Appraisal Waiver Stated Value $XXX,XXX.XX. Appraisal Rep & Warrant. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626486 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626487 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: Acceptable evidence of permanent residency issued by the United States Citizenship and Immigration Services (USCIS). The Customer Identification Verification form on page 441 shows the AZ DL and Resident Alien Card were used to verify the borrower's identity. These items are not in file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626488 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626489 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626490 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626491 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626492 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase/addition to the following fee(s) was not accepted because a valid reason was not provided: Title Notary/Mobile Fee(XX/XX/XXXX) and Reconveyance Fee(XX/XX/XXXX). A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626493 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 4 | 3 | 3 | 4 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Stated property value not supported. Secondary value required. - EV 3 |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Lock Extension. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: A full appraisal is required per DU and per guidelines. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626494 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - 10% tolerance violation - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: Recording Fee(XX/XX/XXXX. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626495 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626496 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: Missing LOE for credit inquiries. A letter of explanation that specifically addresses both the purpose and outcome of each inquiry, in the last 30 days of the credit report date, is required.<br>\*\*\* (OPEN) TRID - 10% tolerance violation - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The addition the following fee(s) was not accepted because a valid reason was not provided: Title - Recording Service Fee (XX/XX/XXXX). A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label)<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase of the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Rate Lock Extension. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626497 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626498 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626499 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Assets are not sufficient to close - EV 3<br> COMMENT: Assets documented in file of $91,476.25; per the final CD $XXX,XXX.XX was required to close. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626500 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626501 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: Addressed in separate category.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to / addition of the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points, Origination Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626502 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Appraisal dated after closing - EV 3<br>\*\*\* (OPEN) Missing Appraisal - EV 3<br> COMMENT: Missing copy of the appraisal in the file. Signed property inspection waiver in the file, however the DU AUS in the file shows the subject loan is not eligible for a property inspection waiver. |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: As per the file property type is PUD with rider attached; however HOA statement is not provided in the loan file. Need HOA statement for PITI. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626503 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of Title- Endorsement Fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | \*\*\* (CURED) Appraisal dated after closing - EV R |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626504 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the decrease to lender credits on XX/XX/XXXX did not reset the baseline. The violation may be cured if documentation is provided showing the disclosure was delivered timely.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baseline: Points. The violation may be cured if documentation is provided showing the disclosure was delivered timely.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD provided was issued 9/9/2020 and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, 9/10/2020. If disclosure was delivered electronically, the E-consent is required as well. | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626505 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 2 | 1 | 3 | 2 | 1 | 3 | \*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, 4/26/21. If disclosure was delivered electronically, the E-consent is required as well. | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626506 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626507 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626508 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 2 | 1 | 3 | 2 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) and the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well.<br>\*\*\* (OPEN) TRID- Initial LE timing fail - EV 3<br> COMMENT: The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. | \*\*\* (OPEN) Home Ownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX<br>\*\*\* (OPEN) TRID- SPL late - EV 2<br> COMMENT: The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date,XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626509 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees was not accepted because the change was not disclosed within 3-business days: Points and Appraisal Re-inspection. The change to the Points occurred on XX/XX/XXXX; however, the disclosure was not issued until XX/XX/XXXX The change to the appraisal re-inspection occurred on XX/XX/XXXX; however, the disclosure was not issued until XX/XX/XXXX. A cost to cure in the amount of $XXXX.XX is required. The defect can be cured by reimbursing the consumer or providing evidence that the change was disclosed within 3-business days. If curing with a reimbursement, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). Note: The full tolerance violation was $XXXX, but $XX.XX was cured at closing, so $XXXX.XX remains. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX1. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626510 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 2 | 1 | 3 | 2 | 1 | 3 | \*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626511 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 2 | \*\*\* (OPEN) Asset Verification insufficient - EV 3<br> COMMENT: Asset statement (pg 162) shows a large wire deposit in to XXX XXXXX XX checking account on XX/XX/XXXX for $XX,XXX.XX. The loan file is missing the source of the large wire deposit.<br>\*\*\* (OPEN) Quality of Appraisal Report Unacceptable - EV 3<br> COMMENT: Appraised value is not supported, excessive adjustments. Comp 2 net and gross adjustments 38.5%, comp 3 net adjustments 29.4% and gross adjustments 42.4%, Comp 4 is a listing with net adjustments 23.8% and gross adjustments 90.5%. | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626512 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 2 | 1 | 3 | 2 | 1 | 3 | \*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii))The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626513 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fee on XX/XX/XXX was not accepted because a valid change of circumstance was not provided: Survey Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626514 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 2 | 1 | 3 | 2 | 1 | 3 | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 3<br> COMMENT: A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Points and Transfer Taxes on disclosure XX/XX/XXXX was not accepted. Although the changes appear to be valid, because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: The initial CD is missing from the loan file. The only CD provided was issued 5/26/2020 and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date,XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626515 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 3<br> COMMENT: A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Discount Point. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626516 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626517 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Completed "Subject To" w/o Compltn Cert in File - EV 3<br> COMMENT: The cert of completion is not in file. There were security bars on the first floor windows that needed to be removed or replaced with safety latches. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626518 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626519 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Appraisal dated after closing - EV 3 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626520 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626521 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626522 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX and XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Discount Points and Appraisal Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). " |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626523 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) Amount of title insurance is less than mortgage amount - EV 3<br> COMMENT: Title commitment in the file shows the policy amount of $XXX,XXX.XX, which is below the loan amount of $XXX,XXX.XX. Missing evidence of the final title policy to verify sufficient coverage.<br>\*\*\* (OPEN) TRID - 10% tolerance violation - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test.<br>Although the addition/increase may be valid, because a COC was not provided, auditor is unable to determine if the revised CD issued on XX/XX/XXXX was disclosed within 3 business days of the change. Therefore, the increase to/addition of the following fees was not accepted: Points, Title Abstract. A cost to cure in the amount of $XXX.XX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. |  | \*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: Per the credit report on file, XXXXXXXX XX XXX XXXXXopened on X/XX and last reported X/XX. No issue. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626524 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626525 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626526 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 2<br> COMMENT: A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, 02/01/2021. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, corrected PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626527 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. | \*\*\* (CURED) ComplianceEase TILA Test Failed - EV R<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1). The finance charge is $XX,XXX.XX. The disclosed finance charge of $XX,XXX.XX is not considered accurate because it is understated by more than $100. The loan is understated by $X,XXX.XX. The following fees were included in the calculation: Points - Loan Discount Fee paid by Borrower: $X,XXX.XX, Title- Settlement Fee paid by Borrower: $XXX.XX, Condo Questionnaire/Condo Cert Fee paid by Borrower: $XXX.XX, Fraud Review Fee paid by Borrower: $XXX.XX, MERS Registration Fee paid by Borrower: $11.95, Prepaid Interest paid by Borrower: $XXX.XX, Tax Service Fee paid by Borrower: $XX.XX, Title- Closing Protection Letter paid by Borrower: $XX.XX, Title- Courier Fee/Wire Fee paid by Borrower: $XX.XX, Underwriting Fee paid by Borrower: $X,XXX.XX0. The defect can be cured by reimbursing the consumer or providing informaton as to why the violation is invalid. The index used for testing is 0.338%.<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed #2 - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely.<br>\*\*\* (CURED) Missing asset documentation (ATR) - EV R<br> COMMENT: No issue, asset requirements are 30 days, documentation meets requirements.<br>\*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: The loan file did not contain evidence of the amount of dwelling coverage for the interior of the dwelling. The loan file contained the Condos Master Policy on p 829, which does not reflect walls in coverage. The loan file also contained an email note on p843 from an agent with Allstate, showing the property is insured, but is missing the dwelling/interior coverage as required.<br>\*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure.<br>\*\*\* (CURED) Pre-disclosed Exception - EV R<br> COMMENT: Stated Defect:LIBOR Arms no longer eligible for sale Unable to determine- Agree that subject loan is a 5/1 Libor Arm |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626528 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626529 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626530 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626531 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing proof of hazard insurance - EV 3<br> COMMENT: HOI policy available in file is valid till XX/XX/XXXX and loan closed date was XX/XX/XXXX. Provide HOI policy at the time of closing. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626532 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626533 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626534 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626535 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626536 | XXXX (Non Rated Securitization) XX/XXXX |  | 3 | 3 | 3 | 2 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) DTI > 60% - EV 3<br> COMMENT: Loan Disposition and General Review Comments reflected a stated defect due to B2 being unemployed on XX/XX/XXXX prior to the subject closing on XX/XX/XXXX (Pg 223) per a TWN/VOE (Pg 455), furlough from XX/XX-XX/XX/XXXX (Pg 259), excluding the B2 income the DTI increased to 59.86% per the comment. However, per the review excluding the B2 wage income the DTI increased to 73.032%. There is an installment loan with a $XXX monthly payment disclosed on the 1003 (Pg 427) which does not appear on the credit report in the file (Pg 110), this obligation was included at review but the documentation to validate the payment is missing.<br>\*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV 3<br> COMMENT: Loan Disposition and General Review Comments reflected a stated defect due to B2 being unemployed on XX/XX/XXXX prior to the subject closing on XX/XX/XXXX (Pg 223) per a TWN/VOE (Pg 455), furlough from XX/XX-XX/XX/XXXX (Pg 259), excluding the B2 income the DTI increased to 59.86% per the comment. However, per the review excluding the B2 wage income the DTI increased to 73.032%. There is an installment loan with a $XXX monthly payment disclosed on the 1003 (Pg 427) which does not appear on the credit report in the file (Pg 110), this obligation was included at review but the documentation to validate the payment is missing.<br>\*\*\* (OPEN) ROR H9 form for the same Lender refinance was missing - EV 3<br> COMMENT: The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (new advance of money with the same creditor). Model H-8 was provided; however, because the property is located in NJ (Third Circuit Court), model H-9 should have been used. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626537 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626538 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626539 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase State Regulations Test Failed - EV 3<br> COMMENT: This loan failed the first lien origination fee test. (MRS § 408.052. 1.) The loan charges more than a 1% origination fee (whether from the buyer or the seller). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626540 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626541 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 3 | 1 | 3 | 3 | 1 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: Missing LOE for credit inquiries. A letter of explanation that specifically addresses both the purpose and outcome of each inquiry, in the last 30 days of the credit report date, is required.<br>\*\*\* (OPEN) Quality of Appraisal Report Unacceptable - EV 3<br> COMMENT: Appraised value is not supported. The comparable sales have excessive adjustments. Comp 2 net adjustment 27.1% and gross adjustment 38.6%. Comp 3 net adjustment 48.8% and gross adjustment 70.6%. Comps 5 & 6 are listings. In addition, the property is marked as 1-unit with accessory unit but the addendum states it is a duplex. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626542 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626543 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626544 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: Missing LOE for credit inquiries. A letter of explanation that specifically addresses both the purpose and outcome of each inquiry, in the last 30 days of the credit report date, is required.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 3<br> COMMENT: Page 4 of the final 1003 is missing from the loan file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626545 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Title issue - EV 3<br> COMMENT: The subject loan was closed as a cash out refinance of an owner occupied property. There was no evidence in the file the borrower had any vested ownership interest in the subject property. The loan file contained a Grant Deed dated the same day as closing adding the borrower and the non-borrowing spouse to title as joint tenants in common with 50% interest. The evidence of insurance reflected the borrower and non-borrowing spouse were added to the policy 8 days prior to closing. The payoff statement for the current mortgage was not in the borrowers name, which is supported by the credit report and the lack of a mortgage tradeline reporting. |  | \*\*\* (CURED) Missing Title evidence - EV R<br> COMMENT: The loan file did not contain any preliminary title reports, dated prior to closing. The borrowers vested ownership in the subject property was not verified.<br>\*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: Guidelines to do not require housing history to be verified.<br>\*\*\* (CURED) Purpose does not meet eligibility requirement(s) - EV R<br> COMMENT: The subject loan was closed as a cash out refinance of an owner occupied property. There was no evidence in the file the borrower had any vested ownership interest in the subject property. Per the guidelines, the subject property must currently be owned by the borrower in order to complete a refinance transaction. The loan file contained a Grant Deed dated the same day as closing adding the borrower and the non-borrowing spouse to title as joint tenants in common with 50% interest. The evidence of insurance reflected the borrower and non-borrowing spouse were added to the policy 8 days prior to closing. The payoff statement for the current mortgage was not in the borrowers name, which is supported by the credit report and the lack of a mortgage tradeline reporting. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626546 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626548 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) Although evidence was provided showing the consumer received the disclosure electronically, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. " |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626549 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 3 | 1 | 1 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Stated property value not supported. Secondary value required. - EV 3 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626550 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626551 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626552 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the decrease to lender credits on XX/XX/XXXX did not reset the baseline. The violation may be cured if documentation is provided showing the disclosure was delivered timely.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, 11/3/2020. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626553 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626554 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626555 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Assets are not sufficient to close - EV 3<br> COMMENT: Page 44 1003 Proceeds from sale of Non- Real Estate Asset $XXX,XXX.XX - documentation not in file. Short to close approx $XXX,XXX.XX |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626556 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Amount of title insurance is less than mortgage amount - EV 3<br> COMMENT: Title Commitment in the file shows the policy amount of $XXX,XXX.XX, which is less than the loan amount of $XXX,XXX.XX. Missing evidence of the final title policy to verify sufficient title coverage. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626557 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626558 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626559 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626560 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626561 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626562 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626563 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626564 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626565 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626566 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 3 | 1 | 3 | 3 | 1 | \*\*\* (OPEN) Appraisal not dated - EV 3<br> COMMENT: Missing Appraisal from file<br>\*\*\* (OPEN) Missing Appraisal - EV 3<br> COMMENT: The full appraisal or the PIW is missing from the current loan file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626567 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626568 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The Increase to the Mortgage Insurance fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided. A cost to cure in the amount of $.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626569 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626570 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626571 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626572 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing Doc - EV R<br> COMMENT: Missing mortgage statements and tax and insurance information for Primary residence at XXX XXX XXXX and rental property at XXX X XXXXXXXXX. Missing tax and insurance information for free & clear properties at XXX XX XXXXXXXXXX and XX XXXXXX XXXX XXXX. Documentation is required to validate accurate DTI calculations. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626573 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626574 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) Bankruptcy History does not meet guidelines - EV 3<br> COMMENT: Chapter 13 Bankruptcy discharged 11/07/2019 (Pg 9, 217). Bankruptcy seasoning was 9.75 months which was less than the requirement minimum 2 years per XXXX XXX-XX XXXXXXXX XXXX XXXXXXXXXX - 4.1.21 v.1.6 Matrix page 2.<br>\*\*\* (OPEN) Evidence of Appraisal delivery - EV 3<br> COMMENT: Missing documentation to evidence a copy of an appraisal was provided to the Borrower at least 3-days prior to the subject closing, even if there is a signed waiver in the file (Pg 314).<br>\*\*\* (OPEN) Hazard Insurance - EV 3<br> COMMENT: HOI for subject property XXX X XXXXXXXXXX XXX. coverage dwelling is $XX,XXX. The required coverage amount is $XXX,XXX.XX. An updated HOI document showing the required coverage is needed. | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $100. The loan is understated by $XXX.XX. The following fees were included in the calculation: Condo Project Review Fee $XXX.XX, Flood Certification - Single Charge or Life of Loan $XX.XX, Prepaid Interest $XXX.XX, Processing Fee $X,XXX.XX, Tax Service Fee $XX.XX, Title- Closing Protection Letter $XXX.XX, Title- E- Doc Delivery $XX.XX, Title- Express Mail Fee $XX.XX, Title- Incoming Wire Fee $XX.XX0, Title- Settlement Fee $XXX.XX. The defect can be cured by reimbursing the consumer or providing information as to why the violation is invalid. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626575 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Validation of primary residence - Missing - EV 3<br> COMMENT: Missing evidence of taxes and insurance for primary residence located at XXX XXX XXX. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626576 | XXXX (Non Rated Securitization) XX/XXXX | Not Applicable | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Hazard Insurance - EV 3<br> COMMENT: The subject property HOI was on file however, the estimated total premium was not provided on form.<br>\*\*\* (OPEN) Income documentation does not meet guidelines - EV 3<br> COMMENT: The borrowers business income was not accurately verified. The file is missing the business tax transcripts/business returns to support the monthly income of $XXX,XXX.XX. Audit used income based on the 1008 and Final 1003.<br>\*\*\* (OPEN) VVOE > 10 days prior to Note date - EV 3<br> COMMENT: On the VOE it states the 3rd party used to obtain the telephone number of the employer was provided by the borrower. This is not an acceptable 3rd party source. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626577 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 1 | 1 | 3 | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 3<br> COMMENT: The initial and/or any revised CDs are missing from the file. As a result the following reviews could not be performed: TILA Accuracy, QM Testing, Federal and State Testing, tolerance violation review, and final Closing Disclosure accuracy. The defect can be cured by provided the Closing Disclosures that were issued to the consumer. In addition, evidence that the initial was received by the consumer at least 3-business days prior to the consummation date XX/XX/XXXX is required.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The initial 1003 is missing. Unable to determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Home Loan Toolkit, Homeownership Counseling Disclosure. |  | \*\*\* (CURED) 1003 Application [information not provide] - EV R<br>\*\*\* (CURED) VVOE > 10 days prior to Note date - EV R<br> COMMENT: VVOE within 10 business days of the Note date was missing. (this is not required guidelines are for VOE within 60 days deleting finding) |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626579 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: The borrower closing costs funds came from the XXXX XXXXXXXXX account for the XXXXXXX XXXXXXXXX XXXXXXXXXXXX. However, a letter was missing from a licensed tax professional the withdrawal of funds will not have a negative impact on the business. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626580 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626581 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Property Marketability Issues - EV 3<br> COMMENT: Appraisal shows multiple settlement cracks both on the interior and exterior, as well as multiple cracks in the foundation with no repairs required. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626582 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626583 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase/addition to the Points and Rate Lock Fee on disclosure XX/XX/XXXX1 was not accepted. Although the changes appear to be valid, because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $XXXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626584 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626585 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: The homeowners' declaration page is not in the current loan file |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626586 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626587 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase of the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fees. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626589 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626590 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626591 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626592 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID - 10% tolerance violation - EV 2<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: Recording Fee (XX/XX/XXXX). A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626593 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626594 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Hazard Insurance - EV 3<br> COMMENT: Per the HOI documentation on file the subject property (XXXX XXXXX XX.) HOI coverage amount is $XXX,XXX.XX0. The required hazard amount is $XXX,XXX.XX. An updated HOI document is needed supporting the required amount. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626595 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: The final CD on page 233 reflects a 12 month premium. The evidence of hazard insurance is missing from the loan file.<br>\*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii). Although evidence was provided showing the consumer received the emailed disclosures, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent.<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the revised LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baseline: Points - Loan Discount Fee and Appraisal Fee. The violation may be cured if documentation is provided showing the disclosure was delivered timely.<br>\*\*\* (CURED) TRID- Initial CD delivery date test fail - EV R<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii). Although evidence was provided showing the consumer received the disclosure electronically, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626596 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626597 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626598 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) DTI > 60% - EV 3<br> COMMENT: The total DTI calculated is 66.4%. The maximum allowed DTI per the Matrix and Summary Guidelines is 60%.<br>\*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV 3<br> COMMENT: The total DTI calculated is 66.4%. The maximum allowed DTI per the Matrix and Summary Guidelines is 60%. |  | \*\*\* (CURED) AUS: File does not contain all AUS Reports run - EV R<br> COMMENT: The 1008 shows loan was approved by DU with a 93.06% DTI ratio. The DU Approve Eligible 1553450282 is missing from the file.<br>\*\*\* (CURED) DTI/Residual income outside of guidelines (ATR) - EV R<br> COMMENT: The total DTI calculated is 66.4%. The maximum allowed DTI per the Matrix and Summary Guidelines is 60%. The 1008 shows loan was approved by DU with a 93.06% DTI ratio, and conditions for a full written VOE. Both the DU and the WVOE are missing from the file.<br>\*\*\* (CURED) Missing income documentation (ATR) - EV R<br> COMMENT: Missing the full written VOE as required per the underwriter notes on the 1008. There are no income documents in the file, used the stated income from the 1008.<br>\*\*\* (CURED) Missing sufficient employment documentation (ATR) - EV R<br> COMMENT: Missing a VVOE or other verification of employment. There are no income or employment documents in the file.<br>\*\*\* (CURED) VOM or VOR missing/required - EV R<br> COMMENT: VOR is missing for borrowers primary residence XXX XXXXXXXX XXX |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626599 | XXXX (Non Rated Securitization) XX/XXXX |  | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing sufficient employment documentation (ATR) - EV 3<br> COMMENT: For B2 Employment- Need W2's for the year XXXX, XXXX as same both are missing from the file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626600 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Income documentation does not meet guidelines - EV 3<br> COMMENT: Missing verbal verification of employment within 10 days of the Note per Guidelines. Missing letter of explanation of employment gap as referenced on the 1008 and lack of employment information on the 1003 |  | \*\*\* (CURED) ComplianceEase TILA Test Failed - EV R<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XXs not considered accurate because it is understated by more than $100. The loan is understated by $150.24. The following fees were included in the calculation: Flood Certification - Initial Fee paid by Borrower: $7.00 <br> Loan Origination Fee paid by Borrower: $895.00, Mortgage Broker Fee paid by Borrower: $3,118.00, Prepaid Interest paid by Borrower: $229.02, Rate Lock Fee paid by Borrower: $336.52<br> Tax Service Fee paid by Borrower: $66.00, Title- Closing Fee paid by Borrower: $475.00. The defect can be cured by reimbursing the consumer or providing informaton as to why the violation is invalid.<br>\*\*\* (CURED) Employment History Does Not Meet Guides - EV R<br> COMMENT: Missing income documentation per AUS in file. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626601 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626602 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 3<br> COMMENT: This loan failed the revised Closing Disclosure delivery date test (waiting period required). An APR change required a revised Closing Disclosure. The Revised CD issued on XX/XX/XXXX is above the allowable tolerance (0.125%/0.25% (if ARM)). The revised CD issued on XX/XX/XXXX had an APR of 3.882% which is an increase from the previous CD issued on XX/XX/XXXX with an APR of 3.164%. The APR increased by 0.718% which is above the allowable tolerance. The Revised CD issued on XX/XX/XXXX and received on XX/XX/XXXX was not received by the borrower at least three business days prior to the Consummation Date, . |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626603 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626604 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: Need tax cert for the property XXXXX XXXXX XX XXXX XXXXX VA XXXXX as it is missing in the loan file.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Discount Point. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, corrected PCCD, copy of the refund, and proof of delivery (mailing label). | \*\*\* (OPEN) Special information booklet is Missing - EV 2<br> COMMENT: The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626605 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Completed "Subject To" w/o Compltn Cert in File - EV 3<br> COMMENT: Appraisal in file is subject to completion. Missing completion cert. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626606 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 2 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Property Type unacceptable under guidelines - EV 3<br> COMMENT: Appraiser noted that 1% commercial space consist of a rental desk area and pool side tikki bar & grill possibly indicating that property is a Condo-Hotel not allowed per XXXX guidelines. | \*\*\* (OPEN) Property value and predominant value vary by more than 50% - EV 2<br> COMMENT: Predominant Value correct per appraisal report. | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: missing mortgage statement or verification of PITI for primary residence:XXXX XXXXX XXXXX |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626607 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626608 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626609 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 2 | 3 | 3 | 2 | 3 | 2 | \*\*\* (OPEN) Property Issues indicated - EV 3<br> COMMENT: Property was completed "as-is" however, there is no kitchen, home appears to be completely gutted and not in livable conditions as noted by appraiser. There is no current verification that they house was completed. Appraiser noted mulitple issues with property. Property does not meet agency guidelines.<br> Per guidelines, Rural properties permitted subject to the following requirements:<br> • Principal residence only<br> • Property cannot be agricultural or be income producing<br> This is not the primary residence. | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $100.00 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitations has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626610 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626611 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626612 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Valid ID - Missing - EV 3<br> COMMENT: Per the final 1003 p.659, both borrowers are Non-Permanent Resident Aliens. The XXXX Guidelines p.21, proof the borrowers are authorized to live and work in the U.S. on a temporary basis. The loan file is missing documentation to verify both borrowers are authorized to live and work in the U.S. on a temporary basis. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626613 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Subject or Comp Photos are missing or illegible - EV 3<br> COMMENT: Photos of the subject property back or side and street views are missing from the appraisal provided in the loan file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626614 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX and XX/XX/XXXX because a valid change of circumstance was not provided: Appraisal Fee and Credit Report Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626615 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Right to receive copy of appraisal is Missing - EV 3<br> COMMENT: Missing the right to receive a copy of the appraisal disclosure. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626616 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Credit history does not meet guidelines - EV 3<br> COMMENT: Per Guidelines At least two (2) years must have elapsed since bankruptcy discharge or dismissal, foreclosure, deed-in-lieu, short sale, modification or 1x120; measured from the date of discharge, dismissal or completion to the Mortgage Note Date. Borrower had Short sale and 1x120 XX/XX/XXXX, which is 19 months seasoning<br>\*\*\* (OPEN) Hazard Insurance - EV 3<br> COMMENT: Need updated HOI Policy having mortgagee clause as "XXXXXXX XXXXX XXX, XXXXXX XXXXX". |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626617 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase Exceptions Test Incomplete - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/X/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. Licensing issue. Out of scope.<br>\*\*\* (OPEN) ComplianceEase Risk Indicator is "Moderate" - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/X/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. Licensing issue. Out of scope.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/X/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. Licensing issue. Out of scope. | \*\*\* (CURED) Appraisal not dated - EV R<br> COMMENT: Appraisal present reap and warrant No action required |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626618 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Income documentation is incomplete - EV 3<br> COMMENT: File is missing a paystub or WVOE showing current YTD income. 2 years W2s are the only income documents in file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626619 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 2 | 3 | 1 | 2 | \*\*\* (OPEN) Missing proof of hazard insurance - EV 3<br> COMMENT: Hazard Insurance is missing in the loan file. | \*\*\* (OPEN) ROR H9 form for the same Lender refinance was missing - EV 2<br> COMMENT: The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (-new advance of money with the same creditor). Model H-8 was provided; because the property is located in CA, model H-9 should have been used. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626620 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 3 | 1 | 3 | 3 | 1 | \*\*\* (OPEN) Completed "Subject To" w/o Compltn Cert in File - EV 3<br> COMMENT: The loan file is missing the Final Inspection. The appraiser notes on p.18 that there is a sink hole on the subject property. According to the owners this sink hole has been present for multiple years. This is not believed to have a significant impact on marketability assuming that the soil and surrounding area is now stable. A photo of the sink hole is on p.40. The appraisal is completed Subject to Inspection for the sink hole.<br>\*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: The subject property closed as a purchase of a second home. The XXXX Guidelines p.63 and p.64 state: Rural properties permitted subject to the following requirements: Principal residence only. The appraisal p.54 shows the subject as Rural. The subject property appears to be ineligible. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626621 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing proof of hazard insurance - EV 3<br> COMMENT: Proof of hazard insurance needed to verify PITI and coverage requirements. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626622 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626623 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626624 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: This loan failed the initial loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)). The Initial LE issued on XX/XX/XXXX is less than seven business days before the Consummation Date, XX/XX/XXXX. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626625 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Transfer Taxes. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626626 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626627 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626628 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626629 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal fee. A cost to cure in the amount of XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | \*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: B1 income provided from paystubs is $X,XXX per month, W2 XXXX has total income of $X,XXX0, W2 XXXX $XX,XXX.XX no other income provided, paystubs income is not in line with ytd for prior 2 years. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626630 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626631 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) Occupancy- Potential Occupancy Misrepresentation - EV 3<br> COMMENT: Misrepresentation of Occupancy. The subject loan was underwritten as a primary residence, however per the letter of explanation in the file (pg 5), the borrower purchased the subject property for their in laws. The borrowers primary residence is located at XXX XXX XXXXX, XXXXXXXXXX, CA. Subject property appears to be an investment property.<br>\*\*\* (OPEN) TRID - 10% tolerance violation - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). Because the SPL was missing, fees in Section C were subject to 10% tolerance. The changes resulted in threshold to go above allowable tolerance. A cost to cure in the amount of $XXX.XX is required. The defect may be resolved by providing the missing document, reimbursing the consumer, or providing a valid reason for the increases. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). | \*\*\* (OPEN) TRID - SPL missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626632 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Occupancy- Potential Occupancy Misrepresentation - EV 3<br> COMMENT: Subject loan was underwritten as a refi cash out transaction of a primary residence, however subject property appears to be an investment property. The borrower's awards letters, mortgage statements and 1099s in the file shows the mailing address of XX XXXXXXXXX XXX, XXXXXXXX, GA, not the subject property address. Occupancy is misrepresented. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626634 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) Occupancy- Potential Occupancy Misrepresentation - EV 3<br> COMMENT: Subject property at XXX X XXXX XX. was approved as a cash out for a primary residence. The 1003 indicates the borrower has lived at the subject property for 10 years. However, the subject is listed on the 1040 schedule E as being rented for the past 12 months and the address listed on all correspondence in the file and on the personal tax returns is XXXX XX XXX XX. Nothing found in file to indicate borrower occupies the subject property and unable to determine a status of the property at XXXX XX XXX XX. and what additional PITI may be attached to that property.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Title- Lenders Title Policy. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). Note: A cost to cure in the amount of $XX.XX is required. However, because $X.XX was reimbursed, only $XX.XX is now due. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626635 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Missing title insurance with at least $XXX,XXX.XX coverage.<br>\*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: Missing proof of hazard insurance for subject property. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626636 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing proof of hazard insurance - EV 3<br> COMMENT: The file is missing proof of HOI for subject property (XXXX XXXX XXXX XX.) An updated HOI document supporting the annual insurance, dwelling coverage and the expiration date is needed. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626637 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: Documentation of the borrowers identity verification (e. g. Patriot Act, Photo ID, etc.) was not located in the loan file.<br>\*\*\* (OPEN) Missing Doc - EV 3<br> COMMENT: The Condo Questionnaire (p. 130) indicates the HOA is a defendant or a plaintiff in litigation against a builder or developer. Details of the litigation were not located in the loan file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626638 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Occupancy- Potential Occupancy Misrepresentation - EV 3<br> COMMENT: The subject transaction is a refinance of the borrower's primary residence located at XXXX XXXXXX XXXXX. The final 1003 (p. 400) states the borrower has resided at the subject property rent free for the past 2 years, with a mailing address of XXXX XXXXXXXXXX XXXXX. The initial application (p. 404) indicates the borrower has owned the property located at XXXX XXXXXXXXXX XXXXX for the past 2 years. Additionally, loan documentation in file (e. g. Form W-9, Form 4506, Right to Cancel, mortgage statements for the subject loan, etc.) reflect a mailing address of XXXX XXXXXXXXXX XXXXX and the Occupancy and Mailing Address Verification (p. 198) is not signed by the borrower. An explanation for the address discrepancies was not located in the loan file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626639 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626640 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Employment History Does Not Meet Guides - EV 3<br> COMMENT: Missing copy of recent check or bank statement verifying receipt of payment for foster income. <br>XXXX 1099 Certified Home Specialist (income amount not legible, audit included income from final 1003 and 1008)<br>\*\*\* (OPEN) VVOE > 10 days prior to Note date - EV 3<br> COMMENT: Missing VOE from Certified Home Specialist (foster Care) income. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626641 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626642 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Asset Verification insufficient - EV 3<br> COMMENT: Assets not stated or verified. Missing evidence of funds to close. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626643 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: The borrowers 12 month housing payment history was not provided. The current mortgage had only been reviewed for 8 months. |  | \*\*\* (CURED) Appraisal not dated - EV R<br> COMMENT: The appraisal used to calculate the LTV was not in the loan file.<br>\*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: The final loan application and 1008 did not reflect income for the Borrower. Unable to ascertain the DTI from origination.<br>\*\*\* (CURED) Housing (Front) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: The final loan application and 1008 did not reflect income for the Borrower. Unable to ascertain the DTI from origination.<br>\*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: The subject property appraisal was missing from the loan file. Value of $XXX,XXX used at origination could not be validated.<br>\*\*\* (CURED) Original LTV (OLTV) does not meet eligibility requirement(s) - EV R<br> COMMENT: The loan file did not contain the appraisal used at origination to determine the LTV of the subject transaction. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626644 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626645 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626646 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baseline: Appraisal Fee. The violation may be cured if documentation is provided showing the disclosure was delivered timely. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii))The initial CD issued on was not received by the consumer 3-business days prior to consummation and a waiver was not provided. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation or a waiver stating why consummation took place prior to the 3-day rule. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626647 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX<br>\*\*\* (OPEN) TRID - SPL missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626649 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626651 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626652 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626653 | XXXX (Non Rated Securitization) XX/XXXX |  | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV 3<br> COMMENT: DTI ratio at 70% - Guidelines accept max DTI 60%<br>\*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 3<br> COMMENT: This loan failed the revised Closing Disclosure delivery date test (no waiting period required): (12 CFR §1026.19(f)(2)(i)) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626654 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626655 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the LE issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626656 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626657 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Property Issues indicated - EV 3<br> COMMENT: Per XXXX guidelines (pg 64) Properties that are classified Rural can only be principal residence only, subject property is a second home. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626658 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626660 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626661 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626662 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626663 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - 10% tolerance violation - EV 3<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase/addition to the following fee(s) was not accepted because a valid reason was not provided: Recording Fees (XX/XX/XXXX). A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: e-Recording Fee. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626664 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Property Type unacceptable under guidelines - EV 3<br> COMMENT: Per Appraisal, property is a Condotel. Property not eligible per guidelines |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626665 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Property Type unacceptable under guidelines - EV 3<br> COMMENT: Lender Guidelines, Ineligible Properties: Properties or projects with the following features or characteristics are ineligible: Condotels or condo-hotels; including projects managed or operated as a hotel or motel and projects that contain hotel or motel in the name. The appraisal indicates the subject condo project's commercial space includes a rental desk and the project operates as a hotel. The subject property is considered a condotel per the guidelines. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626666 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: "This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Credit Report. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). " |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626667 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626668 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626669 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626670 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626671 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626672 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626673 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626674 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 3<br> COMMENT: The loan is an HPML. Evidence that a copy of a written appraisal with interior photos and performed by a certified appraiser was provided to the consumer is missing. Per Regulation, a creditor shall provide to the consumer a copy of any written appraisal performed in connection with a HPML. The defect can be resolved by providing evidence that shows the consumer received a copy of the appraisal report.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Appraisal Fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626675 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626676 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626677 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626678 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 3<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  | \*\*\* (CURED) Original CLTV does not meet eligibility requirement(s) - EV R<br> COMMENT: Max 85%LTV per product Guidelines<br>\*\*\* (CURED) Original LTV (OLTV) does not meet eligibility requirement(s) - EV R<br> COMMENT: Max 85%LTV per product Guidelines - Max LTV Exceeded |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626679 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fees on PCCD XX/XX/XXXX was not accepted because the change occurred after consummation: Points - Loan Discount Fee and Loan Origination Fee. A cost to cure in the amount of $XX,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing any missing revised disclosure with changes prior to consummation. If curing with a reimbursement, the following documents are required as well: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  | \*\*\* (CURED) 1003 Application [information not provide] - EV R<br> COMMENT: The final 1003 (pg 541) includes a liability for XXXXXXXXXXXX XXXXXX with a monthly payment of $XXXX.XX but was not included in the DTI. The loan file is missing documentation to support omission. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626680 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Title holder is not an individual - EV 3<br> COMMENT: Missing Complete Trust Agreement from the loan file. Pages 1-3 provided. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626681 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 1 | 1 |  |  |  | \*\*\* (WAIVED) Appraised value not supported. Form Type and CU Score - EV W<br> COMMENT: Missing third party valuation to support the appraisal value within 10% variance. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626682 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626683 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) TRID - 10% tolerance violation - EV R<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: Recording Fee (XX/XX/XXXX). A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626684 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626685 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Occupancy does not meet eligibility requirement(s) - EV 3<br> COMMENT: The final AUS dated XX/XX/XXXX, 1008 and final loan application signed and dated by the borrower on XX/XX/XXXX reflect the transaction as a Texas Equity (A6) cash out refinance of a primary residence. Documentation in the loan file, including a lease for the subject property and a letter of explanation from the borrower confirming rent free residency at a property other than the subject. The evidence of insurance, subject mortgage statement, credit report, pay stubs, and asset statement all reflect the borrowers address as not the subject property. The initial loan application signed by the borrower on XX/XX/XXXX listed the subject property as the current address, however section 4 reflects the subject property as an investment property, and the appraisal was completed as tenant occupied. Despite all the documentation included in the loan file disclosing the property is non-owner occupied, the loan was approved and closed as a Texas equity (A6) cash out of a primary residence. |  | \*\*\* (CURED) Title issue - EV R<br> COMMENT: The title commitment Schedule C, line item 14 reflected Judgment dated XX/XX/XXXX in the amount of $XXXX.XX. There was no evidence in the file this judgment was paid in full and released. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626686 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626687 | XXXX XX/XXXX - Compliance | Securitized | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626688 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: "This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Discount Points. A cost to cure in the amount of $XX,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). " |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626689 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 2 | 1 | 3 | 2 | 1 | 3 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) and the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD.<br>\*\*\* (OPEN) TRID- Initial LE timing fail - EV 3<br> COMMENT: The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: This loan failed the initial loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)). The Initial LE issued on XX/XX/XXXX is less than seven business days before the Consummation Date, XX/XX/XXXX |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626690 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 3 | 3 | \*\*\* (OPEN) Appraisal dated after closing - EV 3<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The loan failed the Revised Loan Estimate delivery date test (after issuance of Closing Disclosure). The Revised Loan Estimate issued on XX/XX/XXXX was issued after providing the Closing Disclosure issued on XX/XX/XXXX. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626691 | XXXX XX/XXXX - Compliance | Client Reportable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626692 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Missing Appraisal - EV 3<br> COMMENT: Missing the required full appraisal for the subject. |  | \*\*\* (CURED) Appraisal not dated - EV R<br> COMMENT: The subject property appraisal was missing from the loan file.<br>\*\*\* (CURED) AUS: File does not contain all AUS Reports run - EV R<br> COMMENT: AUS is not required. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626693 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626694 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626695 | XXXX XX/XXXX - Compliance | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID - SPL missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626696 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points - Loan Discount Fee. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626697 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626698 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626699 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Property Type does not meet eligibility requirement(s) - EV 3<br> COMMENT: Subject property is a condotel, which is not permitted per guidelines. Google search of the subject property address shows the condo developments name is Sunbird Beach Resort, which indicates the subject property is a condotel, not a condo. |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: unable to verify HOI on the following properties: XXXX XXXXXXX XXXXX, XXXX XX XXXXXX, XXXX X XXXXXXXX |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626700 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626701 | XXXX (Non Rated Securitization) XX/XXXX | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing proof of hazard insurance - EV 3<br> COMMENT: Proof of Hazard Insurance is missing in the loan file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626702 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626703 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626704 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626705 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626706 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626707 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626708 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626709 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Settlement/Closing Fee. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626710 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: Loan file missing Condominium or PUD master policy, HO-6 condominium policy. Hazard Insurance Policy provided covered Wall to Wall only.<br>\*\*\* (OPEN) Missing Doc - EV 3<br> COMMENT: Loan file missing condominium questionnaire. Subject is a 5 Story Condo Building. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626711 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626712 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626713 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baseline: Appraisal Fee. The violation may be cured if documentation is provided showing the disclosure was delivered timely.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 3<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii). Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  | \*\*\* (CURED) QM Points and Fees - EV R<br> COMMENT: This loan failed the high-cost home loan points and fees threshold test due to one or more of the following findings: (SC SB 438, §37-23-20(15)(B)). <br> The total points and fees of this loan, which are $3,477.00, exceed one of the following thresholds based on the total loanXX,XXX or more.<br> The following fees were included in the calculation:Attorney's Fee (Closing Agent and Other Title Services) paid by Borrower: $395.00, Flood Life of Loan Coverage paid by Borrower: $6.00<br> Life of Loan Tax Service paid by Borrower: $54.00, Mortgage Broker Fee paid by Borrower: $1,350.00, Points - Loan Discount Fee paid by Borrower: $1,372.00, Points - Loan Discount Fee paid by Lender: $125.00, Tax Certification Fee paid by Borrower: $25.00, Title - CPL paid by Borrower: $35.00, Wire Transfer Fee paid by Borrower: $115.00. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626714 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626715 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626716 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) ComplianceEase TILA Test Failed - EV R<br> COMMENT: This loan failed the TRID total of payments test. (12 CFR §1026.38(o)(1)). The total of payments is $X,XXX,XXX.XX The disclosed total of payments of $X,XXX,XXX.XX is not considered accurate because it is understated by more than $100.A cost to cure in the amount of $153.86 is required. The Total of Payments Calculations includes the following: Principal $XXX,XXX.XX, Interest $486,472.75, and Loan Costs $$8,829.43. The defect can be cured by reimbursing the consumer or providing information as to the reason the violation is not valid. If curing with a reimbursement, the following documents are required: LOE to consumer, copy of the refund, and proof of delivery. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626717 | XXXX (Non Rated Securitization) XX/XXXX | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626718 | XXXX XX/XXXX - Compliance | Securitized | 3 | 1 | 3 | 3 | 3 | 1 | 1 | 1 |  |  | \*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the letter from the client stating the cash is to be used for business purpose may cure the violation. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626719 | XXXX XX/XXXX - Compliance | Securitized | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626720 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 3 | 3 | 2 | 3 | 3 | 2 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: Missing third party valuation to support the appraisal value within 10% variance. No UCDP CU risk score.<br>\*\*\* (OPEN) Credit history insufficient/does not meet guidelines (ATR) - EV 3<br> COMMENT: The guidelines required at least one open trade for 9 months or more. The one trade on file had only been open for 3 months and there was no evidence of rental history such as cancel checks or bank statements. Only a private VOR. Borrower has no credit scores, but guidelines allow if less than 45% DTI and 90% LTV - subject meets the requirements. | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626721 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: Missing third party valuation to support the appraisal value within 10% variance. |  | \*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: Review 59.812% DTI exceeded the XXXX Non-QM Mortgage Plus Matrix & Summary Guidelines (Full Doc & Bnk Stmt) 4.1.21 maximum 55% DTI. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626722 | XXXX XX/XXXX - Compliance | Pass | 3 | 3 | 3 | 3 | 1 | 3 | 3 | 1 | \*\*\* (OPEN) Asset do not meet guidelines - EV 3<br> COMMENT: Missing the final settlement statement or CD from the subject purchase (Pg 436). Missing documentation to evidence the original subject purchase funds. Delayed Financing Cash-Out of a non-owner-occupied investment property. The subject loan amount of $XXX,XXX (Pg 5) exceeded the subject property purchase price on XX/XX/XXXX of $XXX,XXX.XX (Pg 436). Based on the XXXX XXX-XX XXXXXXXX XXXX XXXXXXXXXX - 4.1.21 v.1.6 (Pg 17) lessor of the subject property purchase price of $XXX,XXX.XX (Pg 436) the LTV/CLTV was 102.36% exceeding the maximum allowed 85%.<br>\*\*\* (OPEN) Loan does not conform to program guidelines - EV 3<br> COMMENT: Delayed Financing Cash-Out of a non-owner-occupied investment property. The subject loan amount of $XXX,XXX (Pg 5) exceeded the subject property purchase price on XX/XX/XXXX of $XXX,XXX (Pg 436). Based on the XXXX XXX-XX XXXXXXXX XXXX XXXXXXXXXX - 4.1.21 v.1.6 (Pg 17) lessor of the subject property purchase price of $XXX,XXX (Pg 436) the LTV/CLTV was 102.36% exceeding the maximum allowed 85%.<br>\*\*\* (OPEN) Property listed for sale in past 12 months - EV 3<br> COMMENT: Delayed Financing Cash-Out of a non-owner-occupied investment property. The subject loan amount of $XXX,XXX (Pg 5) exceeded the subject property purchase price on XX/XX/XXXX of $XXX,XXX (Pg 436). Based on the XXXX XXX-XX XXXXXXXX XXXX XXXXXXXXXX - 4.1.21 v.1.6 (Pg 17) lessor of the subject property purchase price of $XXX,XXX (Pg 436) the LTV/CLTV was 102.36% exceeding the maximum allowed 85%. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626723 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626724 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) DTI > 60% - EV R<br> COMMENT: The audit DTI of 82.6% exceeds the max allowed DTI of 55% per the lender's guideline product matrix. <br>The audit DTI was calculated as 82.6%, due to the loan file missing current lease information for the borrowers' investment property located at XXXXX XXXXX XXXXX XX, XXXXXXXXXXX, CA XXXXX. The final 1003, on page 13 of the loan file, disclosed a monthly rental income of $1,950.00 for this property, with a 75% vacancy factor used, to calculate the total net rental income for this property of a positive $1,092.00; however, the loan file did not contain a copy of any leases for this property and the loan file only contained a copy of the XXXX Schedule E with rental income information for this property. The subject loan closed on 0XX/XX/XXXX; therefore, a Schedule E for the most current year XXXX or if not available XXXX should have been provided. <br>As a result, no rental income was given for this property located at, XXXXX XXXXX XXXX XXXX XX, XXXXXXXXXXXX, CA XXXXX. The positive rental monthly income given to the borrower at origination of $646.00 was not given to the borrower. Therefore, when using the monthly income of $X,XXX.XX for the borrower, monthly income of $X,XXX.XX for the co-borrower, total monthly REO gross rental income losses of -$809.67, with the primary housing expense of $1,249.68, the audit DTI is 82.6% and exceeds the max allowed of 55%.<br>\*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: The audit DTI of 82.6% exceeds the max allowed DTI of 55% per the lender's guideline product matrix. <br>The audit DTI was calculated as 82.6%, due to the loan file missing current lease information for the borrowers' investment property located at XXXXX XXXXX XXXXX XXXX XX XXXXXXXXXXX, CA XXXXX. The final 1003, on page 13 of the loan file, disclosed a monthly rental income of $X,XXX.XX for this property, with a 75% vacancy factor used, to calculate the total net rental income for this property of a positive $1,092.00; however, the loan file did not contain a copy of any leases for this property and the loan file only contained a copy of the XXXXSchedule E with rental income information for this property. The subject loan closed on XX/XX/XXXX; therefore, a Schedule E for the most current year XXXX or if not available XXXX should have been provided. <br>As a result, no rental income was given for this property located at, XXXXX XXXXX XXXXX XXXX XX XXXXXXXXXXX, CA XXXX. The positive rental monthly income given to the borrower at origination of $646.00 was not given to the borrower. Therefore, when using the monthly income of $X,XXX.XX for the borrower, monthly income of $X,XXX.XX for the co-borrower, total monthly REO gross rental income losses of -$809.67, with the primary housing expense of $1,249.68, the audit DTI is 82.6% and exceeds the max allowed of 55%.<br>\*\*\* (CURED) DTI/Residual income outside of guidelines (ATR) - EV R<br> COMMENT: The audit DTI of 82.6% exceeds the max allowed DTI of 55% per the lender's guideline product matrix. <br>The audit DTI was calculated as 82.6%, due to the loan file missing current lease information for the borrowers' investment property located at XXXXX XXXXX XXXXX XXXX XX XXXXXXXXXXX, CA XXXX. The final 1003, on page 13 of the loan file, disclosed a monthly rental income of $1,950.00 for this property, with a 75% vacancy factor used, to calculate the total net rental income for this property of a positive $1,092.00; however, the loan file did not contain a copy of any leases for this property and the loan file only contained a copy of the XXXXSchedule E with rental income information for this property. The subject loan closed on XX/XX/XXXX; therefore, a Schedule E for the most current year XXXX or if not available XXXX should have been provided. <br>As a result, no rental income was given for this property located at, XXXXX XXXXX XXXXX XXXX XX XXXXXXXXXXX, CA XXXX. The positive rental monthly income given to the borrower at origination of $646.00 was not given to the borrower. Therefore, when using the monthly income of $X,XXX.XX for the borrower, monthly income of $1,125.75 for the co-borrower, total monthly REO gross rental income losses of -$809.67, with the primary housing expense of $1,249.68, the audit DTI is 82.6% and exceeds the max allowed of 55%.<br>\*\*\* (CURED) Income documentation is incomplete - EV R<br> COMMENT: The loan file did not contain any copies of leases for the borrower's property that was indicated at origination with rental income. The loan file only contained a copy of the XXXX Schedule E with rental income information. The subject loan closed on XX/XX/XXXX; therefore, a Schedule E for the most current year XXXX or if not available XXX should have been provided. Therefore, no rental income could be verified without the required documentation, for the borrower's rental property with rental income. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626725 | XXXX XX/XXXX - Compliance | Pass | 3 | 3 | 3 | 3 | 1 | 3 | 3 | 1 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: Missing third party valuation to support the appraisal value within 10% variance.<br>\*\*\* (OPEN) VOM or VOR missing/required - EV 3<br> COMMENT: Missing 12-months verification of rent for the Borrowers departure address. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626726 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 3<br> COMMENT: The loan failed the Revised Loan Estimate delivery date test (after issuance of Closing Disclosure). The Revised Loan Estimate issued on XX/XX/XXXX was issued on the same day or after providing the Closing Disclosure issued on XX/XX/XXXX. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626727 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626728 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626729 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Final Application is missing - EV R<br> COMMENT: Missing the final 1003. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626730 | XXXX XX/XXXX - Compliance | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Missing Documentation - EV 3<br> COMMENT: The loan file did not contain a copy of the payoff statement for the subject loan transaction. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626731 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Rush Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626732 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626733 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626734 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 1 | 3 | 3 | 1 | 3 | 3 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: Missing third party valuation to support the appraisal value within 10% variance. No UCDP CU risk score due to property type.<br>\*\*\* (OPEN) QM Points and Fees - EV 3<br> COMMENT: This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXX,XXX.XX or more, and the transaction's total points and fees is $X,XXX.XX, which exceeds 3 percent of the total loan amount of $XXX,XXX.XX. The following fees were included in the calculation: Administration Fee paid by Borrower: $XXX.XX, Mortgage Broker Fee (Indirect) $X,XXX.XX, Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. If transaction meets guidelines for business purposes, the affidavit of occupancy and the letter from the client stating the cash is to be used for business purpose may cure the violation. | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. If transaction meets guidelines for business purposes, the affidavit of occupancy and the letter from the client stating the cash is to be used for business purpose may cure the violation. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626735 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 1 | 1 | 3 | 1 | 1 | 3 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626736 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626737 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Stated property value not supported. Secondary value required. - EV 3<br> COMMENT: AUS approved with PIW. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626738 | XXXX XX/XXXX - Compliance | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The CD issued on XX/XX/XXXX is inaccurate. It is missing the projected payments section. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626739 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) TRID CD at consummation - EV R<br> COMMENT: The file does not contain evidence that a CD was provided on the day the mortgage was signed and notarized. The last CD available in the file was issued on XX/XX/XXXX and received by the consumer on XX/XX/XXXX. If a CD was provided at consummation, provide for testing. If CD was received electronically, please provide evidence of receipt as well as the e-Consent. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626740 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Hazard Insurance - EV 3<br> COMMENT: The hazard insurance on page 343 did not reflect rent loss.<br>\*\*\* (OPEN) VVOE > 10 days prior to Note date - EV 3<br> COMMENT: The third party business verification for Schedule C was missing from the loan file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626741 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626742 | XXXX XX/XXXX - Compliance | Securitized | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: The DU indicated the loan quaiflied for an appraisal waiver. However, the form was missing from the loan file.<br>\*\*\* (CURED) Title holder is not an individual - EV R<br> COMMENT: The Lender allows vesting in a Revocable Trust per the guidelines. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626743 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 1 | 3 | 2 | 1 | 3 | 2 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: Missing third party valuation to support the appraisal value within 10% variance. | \*\*\* (OPEN) TRID - SPL missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626744 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626745 | XXXX XX/XXXX - Compliance | Securitized | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 |  |  | \*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX and XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points - Loan Discount Fee and Appraisal Fee. A cost to cure in the amount of $X,XXX.XX is required. However, because $1,500.00 was reimbursed, only $512.00 is now due. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626746 | XXXX XX/XXXX - Compliance | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV 3<br> COMMENT: The XXXX XXX-XX XXXXXXXX XXXX XXXXXXXXXX dated XX/XX/XXXX, Program Matrix, disclosed for a purchase of a primary residence, loan amount $XXX,XXX.XX, credit score 681, the max LTV was 90%. The subject loan was approved with an LTV of 94.993%. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626749 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 3 | 3 | 1 | 3 | 3 | 1 | \*\*\* (OPEN) Missing Appraisal - EV 3<br> COMMENT: The DU on page 384 indicated the subject qualified for the appraisal waiver. However, the form was missing from the loan file.<br>\*\*\* (OPEN) Missing proof of hazard insurance - EV 3<br> COMMENT: The hazard insurance for the subject property is missing from the loan file. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626750 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: Missing third party valuation to support the appraisal value within 10% variance. No UCDP CU risk score due to property type. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626751 | XXXX XX/XXXX - Compliance | Pass | 3 | 3 | 3 | 3 | 1 | 3 | 3 | 1 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: Missing third party valuation to support the appraisal value within 10% variance.<br>\*\*\* (OPEN) Missing proof of hazard insurance - EV 3<br> COMMENT: The loan file did not contain a copy of the hazard insurance for the subject loan transaction. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626752 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626753 | XXXX XX/XXXX - Compliance | Securitized | 2 | 3 | 3 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, 6/16/2021. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  | \*\*\* (WAIVED) Mortgage history for primary residence less than 12 months - EV W<br> COMMENT: The guidelines, XXXX XXX-XX XXXXXXXX XXXX XXXXXXXXXX dated 04/01/2021, disclosed housing payment history in the form of mortgage history and/ or rental history, must be verified for the most recent 12 months. The final 1003, on page 675 of the loan file, disclosed the borrower's current primary residence was a rental property located at XXXXX XXXXXXXXXXX XX., which the borrower lived for 1 year. No monthly rent was disclosed. The 1008, on page 729 of the loan file, also disclosed no current housing payment. The loan file did not contain any rental housing payment history verification documents for the borrower's departing residence. As a result, the borrower's required most recent 12 months housing history was not verified. Missing VOR documentation or a rent free letter for the borrower. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626754 | XXXX XX/XXXX - Compliance | Pass | 3 | 3 | 3 | 3 | 1 | 3 | 3 | 1 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: The XXXX XXX-XX XXXXXXXX XXXX XXXXXXXXXX dated 04/01/2021, recommends that Sellers obtain a supplemental appraisal product to substantiate property value, but not required. Lenders guidelines do not address FNMA CU Score and a requirement of a secondary appraisal per FNMA CU Score. FNMA CU Score was disclosed as 2.6. Missing additional CDA to support appraised value.<br>\*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 3<br> COMMENT: The LTV/CLTV of 100% exceeded the max allowed LTV/CLTV of 90% for the subject loan transaction. The XXXX XXX-XX XXXXXXXX XXXX XXXXXXXXXX dated 04/01/2021, Program Matrix, disclosed for a cash out refinance of a primary residence, loan amount $XXX,XXX.XX, credit score 781, the max LTV/CLTV was 90%. The subject loan was approved with an LTV/CLTV of 100%, per the DU approval, on page 738 and 1008, on page 897 of the loan file. The LTV/CLTV verified at 100%.<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV 3<br> COMMENT: The LTV/CLTV of 100% exceeded the max allowed LTV/CLTV of 90% for the subject loan transaction. The XXXX XXX-XX XXXXXXXX XXXX XXXXXXXXXX dated XX/XX/XXXX, Program Matrix, disclosed for a cash out refinance of a primary residence, loan amount $XXX,XXX.XX, credit score 781, the max LTV/CLTV was 90%. The subject loan was approved with an LTV/CLTV of 100%, per the DU approval, on page 738 and 1008, on page 897 of the loan file. The LTV/CLTV verified at 100%. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626755 | XXXX XX/XXXX - Compliance | Securitized | 3 | 2 | 1 | 3 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. | \*\*\* (CURED) Appraisal not dated - EV R<br> COMMENT: The loan file was missing a copy of the appraisal for the subject property transaction; therefore, the appraisal date is not avaliable.<br>\*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: The loan file was missing a copy of the appraisal for the subject property transaction. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626756 | XXXX XX/XXXX - Compliance | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 3 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: A 12 month rent history was missing from the loan file.<br>\*\*\* (OPEN) Qualifying Credit Score does not meet eligibility requirement(s) - EV 3<br> COMMENT: The credit score is 633. The minimum score per the guideline is 640.<br>\*\*\* (OPEN) TRID - 10% tolerance violation - EV 3<br> COMMENT: This loan failed the charges that in total cannot increase more than 10%. Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures delivered timely.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 3<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely.<br>\*\*\* (OPEN) TRID- Initial LE timing fail - EV 3<br> COMMENT: The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date,XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. |  | \*\*\* (CURED) Missing Fraud Report - EV R<br> COMMENT: The Fraud report is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626757 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626758 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626759 | XXXX XX/XXXX - Compliance | Pass | 3 | 3 | 3 | 1 | 1 | 3 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: The guidelines, XXXX XXX-XX XXXXXXXX XXXX XXXXXXXXXX dated 04/01/2021, disclosed housing payment history in the form of mortgage history and/ or rental history, must be verified for the most recent 12 months. The final 1003, on pages 459-460, of the loan file, disclosed the borrower's departing residence was a rental property located at XXXX XXXXXX XX., which the borrower lived for 2 years with a monthly payment of $XX.XX. The loan file did not contain any rental housing payment history verification documents for the borrower' departing residence. As a result, the borrower's required most recent 12 months housing history was not verified. The loan file was missing a VOR. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626760 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626761 | XXXX XX/XXXX - Compliance | Securitized | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626762 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626763 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626764 | XXXX XX/XXXX - Compliance | Securitized | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file was missing the Compliance Report for the subject loan transaction.<br>\*\*\* (CURED) Missing Doc - EV R<br> COMMENT: The loan file is missing the taxpayer consent form/borrower consent to the use of tax return information form signed by the borrowers.<br>\*\*\* (CURED) TRID Total of Payments (TOP) - EV R<br> COMMENT: This loan failed the TRID total of payments test. (12 CFR §1026.38(o)(1). The total of payments is $793,986.87. The disclosed total of payments of $786,199.15 is not considered accurate because it is understated by more than $100.<br> A cost to cure in the amount of $7,787.72 is required. The Total of Payments Calculations includes the following: Principal $489,350.00, Interest $290,108.44, and Loan Costs $14,528.43. The defect can be cured by reimbursing the consumer or providing information as to the reason the violation is not valid. If curing with a reimbursement, the following documents are required: LOE to consumer, copy of the refund, and proof of delivery.<br>\*\*\* (CURED) Unable to Validate what QM Program the Loan was Originated under - EV R<br> COMMENT: The loan file was missing the Compliance Report for the subject loan transaction; therefore, unable to validate. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626765 | XXXX XX/XXXX - Compliance | Securitized | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 |  | \*\*\* (OPEN) Special information booklet is Missing - EV 2<br> COMMENT: The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file was missing the Compliance Report for the subject loan transaction.<br>\*\*\* (CURED) Transmittal (1008) is Missing - EV R<br> COMMENT: The loan file was missing a copy of the 1008 for the subject loan transaction.<br>\*\*\* (CURED) Unable to Validate what QM Program the Loan was Originated under - EV R<br> COMMENT: The loan file was missing the Compliance Report for the subject loan transaction; therefore, unable to validate. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626766 | XXXX XX/XXXX - Compliance | Pass | 3 | 3 | 3 | 1 | 3 | 3 | 1 | 2 | \*\*\* (OPEN) Credit score not provided - EV 3<br>\*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: The guidelines, XXXX XXX-XX XXXXXXXX XXXX XXXXXXXXXX dated XX/XX/XXXX, disclosed housing payment history in the form of mortgage history and/ or rental history, must be verified for the most recent 12 months.<br>The final 1003, on pages 284 and 291 of the loan file, disclosed the borrowers' departing residence was a rental property located at XXXX XXXXXX, which the borrowers lived for 7 months with no primary housing expense.<br>The borrowers' previous departing residence was another rental property located at XXX X XXXXXXXXX XX., which the borrowers lived for 2.9 years with a monthly rental amount of $XXX.XX.<br>The loan file did not contain any rental housing payment history verification documents for both the borrowers' current departing residence or the prior departing residence. <br>As a result, both the borrowers' required most recent 12 months housing histories were not verified.<br>Missing VOR documentation for both borrowers. | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file was missing the Compliance Report for the subject loan transaction.<br>\*\*\* (CURED) Unable to Validate what QM Program the Loan was Originated under - EV R<br> COMMENT: The loan file was missing the Compliance Report for the subject loan transaction; therefore, unable to validate. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626767 | XXXX XX/XXXX - Compliance | Client Reportable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) DTI > 60% - EV R<br> COMMENT: Audit verified borrowers monthly income of $6250 per the WVOE on file dated 10/15/21 resulting in the DTI being 93.461% which exceeds the max of 60%. The lender verified the monthly income of $12,500 documentation is needed supporting these findings.<br>\*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: Audit verified borrowers monthly income of $6250 per the WVOE on file dated 10/15/21 resulting in the DTI being 93.461% which exceeds the max of 60%. The lender verified the monthly income of $12,500 documentation is needed supporting these findings.<br>\*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: Audit verified borrowers monthly income of $6250 per the WVOE on file dated 10/15/21 resulting in the DTI being 93.461% which exceeds the max of 60%. The lender verified the monthly income of $12,500 documentation is needed supporting these findings.<br>\*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: The initial 1003 provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626768 | XXXX XX/XXXX - Compliance | Securitized | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID - SPL missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626769 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626770 | XXXX XX/XXXX - Compliance | Pass | 3 | 3 | 3 | 3 | 1 | 3 | 3 | 1 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: CU score 2.8 missing additional valaution required to support original appraised value within 10% variance.<br>\*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV 3<br> COMMENT: The final 1003 on page 214 reflects no primary housing expense for the last five months. However, the rent free letter is missing from the loan file. In addition, the file is missing seven months mortgage history for the former primary residence. The last mortgage on the credit reported XX/XXXX. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626771 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 3 | 3 | 1 | 3 | 3 | 1 | \*\*\* (OPEN) Appraised value not supported. Form Type and CU Score - EV 3<br> COMMENT: The CU score is not required by the Lender. Missing additional valuation required to support original appraised value 1ithin 10% variance.<br>\*\*\* (OPEN) Original CLTV does not meet eligibility requir XX/XX/XXXX for $XXX,XXX.XX per the HUD on page 183 and does not have 3 months seasoning as required by the guidelines in order to use the appraised value of $XXX,XXX.XX. When using the sales price, the true LTV?CLTV is 119.90% which exceeds the 93% maximum LTV/CLTV guide for a 4-Unit Investment property. Compensating factors: DTI is 32% below maximum DTI of 55%. (726) Representative credit score exceeds the minimum required credit score of (620) by (106) Points.<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV 3<br> COMMENT: The subject was purchased on XX/XX/XXXX for $XXX,XXX.XX per the HUD on page 183 and does not have 3 months seasoning as required by the guidelines in order to use the appraised value of $XXX,XXX.XX. When using the sales price, the true LTV?CLTV is 119.90% which exceeds the 93% maximum LTV/CLTV guide for a 4-Unit Investment property. Compensating factors: DTI is 32% below maximum DTI of 55%. (726) Representative credit score exceeds the minimum required credit score of (620) by (106) Points. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626772 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626773 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626774 | XXXX (Non Rated Securitization) XX/XXXX | Client Reportable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626775 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626776 | XXXX XX/XXXX - Compliance | Securitized | 2 | 3 | 3 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD's issued on XX/XX/XXXX and XX/XX/XXXX was provided more than 60 calendar days after the consummation date,XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. If transaction meets guidelines for business purposes, the affidavit of occupancy and the letter from the consumer stating the cash is to be used for business purpose may cure the violation. |  | \*\*\* (WAIVED) Missing proof of hazard insurance - EV W<br> COMMENT: The HOI in file on page 511 belongs to XXXXX XXXXXXXXX XXXXXX. The Deck page to TX XXXX XXXXXXX XXXXXX XXXXXXXXXX (per page 753) is missing from the loan file.<br>\*\*\* (WAIVED) Verification of Rent - EV W<br> COMMENT: According to the final 1003 on page 556, Borrower 3 has rented the subject property the last three years. However, a 12 month rental history was missing from the loan file. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626777 | XXXX XX/XXXX - Compliance | Securitized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626778 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 3 | 1 | 1 | 1 | 1 | 1 |  |  |  | \*\*\* (WAIVED) DTI/Residual income outside of guidelines (ATR) - EV W<br> COMMENT: The DTI of 55.603% exceeded the maximum DTI limit of 55%.<br>\*\*\* (WAIVED) Mortgage history for primary residence less than 12 months - EV W<br> COMMENT: The final 1003 indicated the Borrower has rented for 1.1 years at XXXX XXXXXXXXXX XX. However, a 12 month rental history is missing from the loan file.<br>\*\*\* (WAIVED) Original CLTV does not meet eligibility requirement(s) - EV W<br> COMMENT: The CLTV of 102.290% exceeded the maximum CLTV limit of 100% per the guideline. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626779 | XXXX XX/XXXX - Compliance | Securitized | 3 | 3 | 1 | 3 | 1 | 1 | 3 | 1 | \*\*\* (OPEN) Missing Appraisal - EV 3<br> COMMENT: A full appraisal is not in the loan file as required. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626780 | XXXX XX/XXXX - Compliance | Securitized | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626781 | XXXX XX/XXXX - Compliance | Client Reportable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626783 | XXXX XX/XXXX - Compliance |  | 4 | 3 | 3 | 1 | 1 | 1 | 1 | 1 |  |  |  | \*\*\* (WAIVED) DTI > 60% - EV W<br> COMMENT: Originator calculated income $4,906.78 base on XXXX & XXXX Sch C Tax returns resulting in a DTI of 45.12%. Audit recalculates borrower income using XXXX Sch C income of $30,923.64/12 $2,576.97. Borrower XXXX Sch C returns show a significant increase in income from prior year. Loan file did not contained evidence of XXXX tax transcript been filed. Audit recalculated income resulting in a Housing ratio 59.40%, DTI 77.50%. Max DTI allowed 55% per XXXX GLS. Lender to provide XXXX 1040 Tax Transcript supporting Sch C income of$72,059.00/Yr.<br>\*\*\* (WAIVED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV W<br> COMMENT: Originator calculated income $4,906.78 base on XXXX & XXXX Sch C Tax returns resulting in a DTI of 45.12%. Audit recalculates borrower income using XXXX Sch C income of $30,923.64/12 $2,576.97. Borrower XXXX Sch C returns show a significant increase in income from prior year. Loan file did not contained evidence of XXXX tax transcript been filed. Audit recalculated income resulting in a Housing ratio 59.40%, DTI 77.50%. Max DTI allowed 55% per XXXX GLS. Lender to provide XXXX 1040 Tax Transcript supporting Sch C income of$72,059.00/Yr.<br>\*\*\* (WAIVED) DTI/Residual income outside of guidelines (ATR) - EV W<br> COMMENT: Borrower has $643 residual income after all expenses which is less than month PITI.<br>\*\*\* (WAIVED) Housing (Front) Ratio does not meet eligibility requirement(s) - EV W<br> COMMENT: Originator calculated income $4,906.78 base on XXXX & XXXX Sch C Tax returns resulting in a DTI of 45.12%. Audit recalculates borrower income using XXXX Sch C income of $30,923.64/12 $2,576.97. Borrower XXXX Sch C returns show a significant increase in income from prior year. Loan file did not contained evidence of XXXX tax transcript been filed. Audit recalculated income resulting in a Housing ratio 59.40%, DTI 77.50%. Max DTI allowed 55% per XXXX GLS. Lender to provide XXXX 1040 Tax Transcript supporting Sch C income of$72,059.00/Yr. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626784 | XXXX XX/XXXX - Compliance | Securitized | 2 | 3 | 1 | 1 | 3 | 1 | 1 | 1 |  |  |  | \*\*\* (WAIVED) Missing evidence of TRID Disclosure Delivery - EV W<br> COMMENT: There is no evidence of an initial CD provided to the non-borrower. Per regulation, CD(s) must be provided to all who have the right to rescind. The defect can be resolved by providing evidence showing the non-borrower received the disclosure timely. If disclosure was received electronically, the Econsent is required as well. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626785 | XXXX XX/XXXX - Compliance | Client Reportable | 3 | 2 | 2 | 1 | 2 | 1 | 1 | 1 |  |  |  | \*\*\* (WAIVED) Missing Doc - EV W<br> COMMENT: Page 2 - The appraisal shows there is no seller credit. The CD shows there is a $16,800 seller credit on page 80.<br>\*\*\* (WAIVED) Missing evidence of TRID Disclosure Delivery - EV W<br> COMMENT: A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626786 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626787 | XXXX XX/XXXX - Compliance | Client Reportable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626788 | XXXX XX/XXXX - Compliance | Client Reportable | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626789 | XXXX XX/XXXX - Compliance | Client Reportable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626791 | XXXX XX/XXXX - Compliance | Client Reportable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing sufficient employment documentation (ATR) - EV R<br> COMMENT: Missing 2 years consistent employment. Borrower has been working at XXXX XX XXXX since X/XX/XXXX prior employment was at XX XXXXXX from X/XX/XXXX-X/XX/XXXX. There is a 1+ year gap of employment with no letter of explanation. Borrower's prior employment before XX XXXXXX was at XXXXX XXXXX XX XXXX from X/X/XXXX-X/XX/XXXX and XXX XXXXXXXXX XXX from X/XX/XXXX-X/XX/XXXX, another 1+ year gap of employment with no letter of explanation. Employment history is not consistent. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626792 | XXXX XX/XXXX - Compliance | Client Reportable | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626793 | XXXX XX/XXXX - Compliance |  | 2 | 3 | 3 | 1 | 3 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Condo / PUD rider Missing - EV R<br> COMMENT: The Security Instrument is missing the following: PUD Rider.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The hazard insurance policy in the file (p.496) reflects the prior mortgage holder. The loan file is missing the updated policy with the subject lender as the Mortgagee. | \*\*\* (WAIVED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV W<br> COMMENT: Lender guidelines page 64 states: Income used to qualify must not exceed the income disclosed on the initial signed loan application. The lower of the P&L net income (monthly average) from the validated third-party prepared P&L or the initial signed loan application income must be used as qualifying income. The initial signed loan application reflects income disclosed of $11,835.53/month (p.8). The P&L is missing. Based on guidelines, the income used to qualify must not have exceeded $11,835.53/month. Origination income used was $25,977.11/month. Audit utilized initial application income of $11,835.53/month resulting in a DTI of 58.390%, which exceeds the maximum allowable of 43% by 15.39%.<br>\*\*\* (WAIVED) DTI/Residual income outside of guidelines (ATR) - EV W<br> COMMENT: Lender guidelines page 64 states: Income used to qualify must not exceed the income disclosed on the initial signed loan application. The lower of the P&L net income (monthly average) from the validated third-party prepared P&L or the initial signed loan application income must be used as qualifying income. The initial signed loan application reflects income disclosed of $11,835.53/month (p.8). The P&L is missing. Based on guidelines, the income used to qualify must not have exceeded $11,835.53/month. Origination income used was $25,977.11/month. Audit utilized initial application income of $11,835.53/month resulting in a DTI of 58.390%, which exceeds the maximum allowable of 43% by 15.39%.<br>\*\*\* (WAIVED) Missing income documentation (ATR) - EV W<br> COMMENT: Lender guidelines page 64 states: P&L prepared by a third-party (licensed tax preparer) covering either the same two (2) year period as the bank statements or the most recent two (2) calendar years is required. The P&L should be signed by the preparer and the borrower. The loan file is missing the required P&L covering X/XXXX-X/XXXX.<br>\*\*\* (WAIVED) QM Points and Fees - EV W<br> COMMENT: This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)) The loan amount is $114,847.00 or more, and the transaction's total points and fees is $16,445.00, which exceeds 3 percent of the total loan amount of $XXX,XXX.XX. The following fees were included in the calculation: Points $14,950, Processing $500, and Underwriting $995. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation.<br>\*\*\* (WAIVED) Qualifying Credit Score does not meet eligibility requirement(s) - EV W<br> COMMENT: Qualifying score is 637. Lender guidelines reflect the minimum required score for a cash out refinance between $150,000-$500,000 with an LTV up to 75% is 640. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626794 | XXXX XX/XXXX - Compliance |  | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The secondary valuation to support the value within 10% and with a confidence factor of 90% was missing from the loan file.<br>\*\*\* (CURED) Original CLTV does not meet eligibility requirement(s) - EV R<br> COMMENT: The CLTV is 101.65% which exceeds maximum LTV of 100% per guidelines.<br>\*\*\* (CURED) Unable to verify PITI on simultaneous loan (ATR) - EV R<br> COMMENT: The loan file is missing the second lien note to confirm payments and final DTI. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626796 | XXXX XX/XXXX - Compliance |  | 2 | 3 | 3 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 2<br> COMMENT: The PCCD issued XX/XX/XXXX is inaccurate. The Survey Fee that was added on XX/XX/XXXX was removed from said PCCD. The PCCD was provided because a refund was given to the consumer. The Survey fee should have not been removed from the disclosure as it was charged at consummation.<br>\*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued onXX/XX/XXXX3 was provided more than 60 calendar days after the consummation date, 10/06/2022. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. | \*\*\* (CURED) Final Application is missing - EV R<br> COMMENT: The final application is missing from the loan file.<br>\*\*\* (CURED) Title issue - EV R<br> COMMENT: The preliminary title requires a UCC Termination for financing with XXXXX XXX,XX (p.66). The contract includes a Rider (p.628) stating the seller is to pay off solar panels at closing from seller's net proceeds. The final CD does not reflect a payoff to XXXXX XXXXXX on the seller's side and the loan file does not contain a copy of the UCC Termination.<br>\*\*\* (CURED) TRID - 10% tolerance violation - EV R<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The addition of the Survey fee on the CD issued 10/3/XXXX was not accepted because a valid reason was not provided. A cost to cure in the amount of XXX.XX is required. The fee was tested under 10% tolerance because the fee was not added to any LE. If the consumer was permitted to shop for the service, the service should have been disclosed in Section C of the LEs. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). | \*\*\* (WAIVED) Missing Documentation - EV W<br> COMMENT: According to the credit report (p.217), the borrower obtained a loan withXXXXXX XXX opened X/XXXX in the amount of $114,231 with a balance of $111,909 as of X/XXXX that shows a zero balance on the credit supplement as of XX/XX/XXXX (p.214). The loan file is missing the source of funds used to pay off this debt.<br>\*\*\* (WAIVED) Missing Documentation - EV W<br> COMMENT: The loan file contains a gift letter for a gift in the amount of $111,046.33 (p.459) and donors ability showing the withdrawal of the funds (p.301); however, the loan file is missing evidence of the receipt of the funds. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626797 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626798 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Social security income was documented with the XXXX tax return and transcript (p.219, 213). XXXX guidelines require social security to be verified with one of the following: Social Security Administration benefit letter, Form SSA-1099, or Bank Statements or other acceptable documentation evidencing at least two months of receipt of benefit. The loan file does not contain any of the above items as required. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626799 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The initial disclosures (initial 1003, initial LE, HOC) provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The transaction is a refinance of an investment property. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the addition of the Broker fee on the CD issued XX/XX/XXXX did not reset the baseline. The violation may be cured if documentation is provided showing the disclosure was delivered timely. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The transaction is a refinance of an investment property. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) Although evidence was provided showing the consumer received the disclosure electronically, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. | \*\*\* (CURED) ComplianceEase State Regulations Test Failed - EV R<br> COMMENT: This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($1,575.00) exceeds the per diem interest charge or credit threshold ($1,426.00). The violation may be resolved by providing a PCCD with the true funding date. The following document are required as well: LOE to consumer and proof of delivery (mailing label).<br>\*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The borrower's XXXX Schedule E figures (p.794) and the XXXX K1's do not match (p.670, 737) and the co-borrowersXXXX Schedule E figures (p.882) and the XXXX K1's do not match (p.672, 739). The file contains IRS tax transcripts that support the XXXX tax returns for both borrowers. The loan file does not contain clarification for the discrepancies between the financial documents used to calculate the income for both borrowers.<br>\*\*\* (CURED) Missing evidence of TRID Disclosure Delivery - EV R<br> COMMENT: The transaction funded prior to consummation. Per the CD issued X/X/XXXX, the transaction funded on X/X/XXXX; however, consummation took place on X/X/XXXX. The defect can be resolved by providing the true funding date. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The transaction is a refinance of an investment property. The statute of limitation has expired. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626800 | XXXX XX/XXXX - Compliance |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Income documentation is incomplete - EV R<br> COMMENT: XXXX Lender guidelines (p.42) states Business tax returns from the most recent year is required and if the borrower has an ownership interest less than 50%, then the business/partner returns are not required. Per the XXXX K1's for XXX, XXXXXXXXXX (p.463,465), each borrower owns 50% of the business. The loan file is missing the XXXX 1065 return or XXXX extension and XXXX 1065 return for XXX XXXXXXXXXX,XXX as required by lender guidelines. It is to be noted, the income from this business was not used to qualify; however, guidelines require. The requirement of the business returns is to ensure the businesses do not have a Loss which XXXX would take into consideration (Audit DTI is 34.022%).<br>\*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: XXXX Lender guidelines (p.42) states Business tax returns from the most recent year is required and if the borrower has an ownership interest less than 50%, then the business/partner returns are not required. Per the XXXX K1's for XXX XXXXXXXXXX,XXX (p.463,465), each borrower owns 50% of the business. The loan file is missing the XXXX 1065 return or XXXX extension and XXXX 1065 return for XXX XXXXXXXXXX,XXX as required by lender guidelines. It is to be noted, the income from this business was not used to qualify; however, guidelines require. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626801 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 1 | 2 | 1 | 1 | 2 | 1 |  | \*\*\* (OPEN) Quality of Appraisal Report Unacceptable - EV 2<br> COMMENT: Appraisal contract review reflects seller credit of $0, whereas the final CD reflects a seller credit of $X,XXX and lender credit of $X,XXX The Addendum reflecting the seller/lender credit (p.463) was dated XX/XX/XXXX, which was prior to the completion of the appraisal on XX/XX/XXXX; therefore should have been listed on the appraisal. | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: Per the credit supplement (p.324), the borrower made a payment of $XXX,XXX.XX on XX/XX/XXXX to the XXXX XXXXX HELOC secured to the departure residence. The loan file does not contain the source of funds used to make this payment to verify no additional loans were obtained.<br>\*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file is missing the source of funds for the deposit on X/X/XXXXin the amount of $XX,XXX.XX into XX #XXXX (p.418) that was used for the $XX,XXX.XX portion of the EMD that was wired on X/XX/XXXX from the same account (p.414).<br>\*\*\* (CURED) Missing credit report - EV R<br> COMMENT: The loan file is missing the origination credit report dated 9/2/XXXX with a reference #XXXXXXXX that was used at origination per the DU findings (p.104). There is a credit supplement dated XX/XX/XXXX (p.324) for the mortgage history and a post-closing credit report dated X/XX/XXXX (p.359); however, the origination credit report is missing. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626802 | XXXX XX/XXXX - Compliance |  | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX3 was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery.<br>\*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The Survey was disclosed in Section B of the CD issued on XX/XX/XXXX However, the fee should have been disclosed under Section C because the consumer did not choose the provider on the SPL. | \*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the appraisal fee on the CD issued XX/XX/XX was not accepted because a valid reason was not provided. A cost to cure in the amount of $30 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626803 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file is missing the mortgage statements, taxes and insurance validation for the property at XXXXXX XXXXX XXXX to verify monthly PITIA to determine final DTI. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626804 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing evidence of TRID Disclosure Delivery - EV R<br> COMMENT: This loan failed the revised Closing Disclosure delivery date test (waiting period required). An APR change required a revised Closing Disclosure. The Revised CD issued on X/XX/XX is above the allowable tolerance (0.125%/0.25% (if ARM)). The revised CD issued on X/XX/XX had an APR of 6.406 which is an increase from the previous CD issued on X/XX/XX with an APR of 5.592. The APR increased by 0.814 which is above the allowable tolerance. The Revised CD issued on X/XX/XX and received on X/XX/XX was not received by the borrower at least three business days prior to the Consummation Date, X/XX/XX. The only disclosures provided in the file were as follows: LE X/XX/XX, LE X/XX/XX, CD X/XX/XX, and CD X/XX/XX.<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fees on the CD issued X/XX/XX were not accepted because a valid reason was not provided: discount points and appraisal update. The only disclosures provided in the file were as follows: LE X/XX/XX, LE X/XX/XX, CD X/XX/XX, and CD X/XX/XX. A cost to cure in the amount of $XXXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the additions. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626805 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626806 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. | \*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent.<br>\*\*\* (CURED) TRID - 10% tolerance violation - EV R<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the recording fee on CD 5/9/23 was not accepted because a valid reason was not provided. The change resulted in the 10% threshold to go above allowable tolerance. A cost to cure in the amount of $136.40 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626807 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626808 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: The loan file does not contain a flood cert. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626809 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626810 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) TRID CD at consummation - EV R<br> COMMENT: The file is missing evidence showing that the consumers were provided a copy of the final CD at least one day prior to the consummation date X/XX/XX. Per regulation (RULE §153.13), an equity loan may not be closed before one business day after the date that the owner of the homestead receives a final itemized disclosure of the actual fees, points, interest, costs, and charges that will be charged at closing. The violation may be resolved by providing evidence showing the consumer received the disclosure timely. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626811 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file contained the first page of Partnership returns on page 744 and 743 for properties at XXXX XXXXX XXXXX that is not showing on the loan application, and X XXX X property. The additional pages to these returns no K1's were not provided in file. This partnership income does not reflect on borrower personal returns on page 1111. Unclear the status of these XXXXX XXXXX property and income or loss generated.<br>\*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: DTI can not be determined due to missing debt and income items. The loan file is missing the following items for the rental properties listed on the application: X XXXXX HOI, X XXX W taxes and HOI, X XXX X taxes. The loan does not contain proof the following 4 properties are free and clear: X XXXXX XX, X XXXXX X, X XXX X, XXXXX X. The loan file did not contain any leases for the properties to offset the monthly obligations with the exception of the XXXXX property which reports on tax returns.<br>\*\*\* (CURED) DTI/Residual income outside of guidelines (ATR) - EV R<br> COMMENT: The loan does not meet ATR as the final figures for all rental properties has not been established. The loan file is missing the following items for the rental properties listed on the application: X XXXXX XX, X XXXXX X taxes and HOI, X XX X, taxes. The loan does not contain proof the following 4 properties are free and clear: X XXXXX XX, X XXXXX X, X XXX X, XXXXX X The loan file did not contain any leases for the properties to offset the monthly obligations with the exception of the XXXXX property which reports on tax returns.<br>\*\*\* (CURED) Loan file does not contain sufficient information to complete Credit Due Diligence - EV R<br> COMMENT: The Loan does not meet guidelines due to missing information on newly purchased investment properties at X XXXXXXX and X XXX X. Copies of Notes and CD's for both of these new purchases are needed to determine final DTI.<br>\*\*\* (CURED) Missing asset documentation (ATR) - EV R<br> COMMENT: The loan does not meet ATR for assets as the costs to close the 2 additional rental properties purchased at X XXXXXXX and X XXX X were not provided. Both loans closed prior to the subject on X/XX/XXXX and X/XX/XXXX per Fraud Report pg. 1026. Sufficient funds to close these two properties and 2 months PITI for each property are required per guidelines. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626812 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626813 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626814 | XXXX XX/XXXX - Compliance |  | 2 | 3 | 1 | 3 | 3 | 1 | 1 | 1 |  |  |  | \*\*\* (WAIVED) Appraisal dated after closing - EV W<br> COMMENT: The loan closed 8/18/2023 and the appraisal in file was dated after closing XX/XX/XXXX. The file is missing the appraisal completed prior to closing.<br>\*\*\* (WAIVED) Evidence of Appraisal delivery - EV W<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626815 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing asset documentation (ATR) - EV R<br> COMMENT: The loan file shows a $160,000 deposit into XXX (XXXX) on X/X/XXXX without a source of these funds. Per guidelines pg 52 Large deposits inconsistent with monthly income must be verified, one month statement was required and deposit was within the last month. With out the documentation of the assets the verified total is $92,298. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626816 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626817 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Income documentation is incomplete - EV R<br> COMMENT: The borrower has listed 1005 ownership of the corporation, XXXXXXXXX XXXXXXX XXXXXXXXXXX. The loan file did not contain the Schedule G for the corporate returns that verifies the borrowers 100% ownership. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626818 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Evidence of Appraisal delivery - EV 2<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1))<br>\*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery.<br>\*\*\* (OPEN) TRID - SPL missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: The initial 1003 is missing from the loan file. The defect can be resolved by providing the missing document.<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Appraisal Management fee on the CD issued 3/2/23 was not accepted because a valid reason was not provided. A cost to cure in the amount of $75 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626820 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Evidence of Appraisal delivery - EV 2<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626821 | XXXX XX/XXXX - Compliance |  | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) Credit history insufficient/does not meet guidelines (ATR) - EV 2<br> COMMENT: Lender guidelines require at least two years must have elapsed since bankruptcy discharge. The borrower has a Chapter 13 discharge dated XX/XX/XXXX, which does not meet the two-year seasoning requirement from the Note date of XX/XX/XXXX | \*\*\* (CURED) Title holder is not an individual - EV R<br> COMMENT: The prelim title (p.1177) dated 10/25/2023 shows the subject is owned by XXXXXXXX XXXXXXXXXX XXXXXXXXX XXXXXXX and the borrower. The preliminary title requires a Quit Claim Deed from XXXXXXXX XXXXXXXXXX XXXXXXXXX XXXXXXX and XXXXXXX XXXX and XXXXXXX X XXXX; however, the loan file does not contain the deed transferring to the borrower only as required.<br>\*\*\* (CURED) Unable to verify all credit obligations (ATR) - EV R<br> COMMENT: The Data Verify (p.709) reflects an open judgment with the creditor being XXXXX X. XXXXX against the borrower as a garnishment filed XX/XX/XXXX in the amount of $XXX,XXX. The loan file does not disclose the garnishment, does not contain documentation with the terms of the garnishment and does not include the garnishment in the DTI. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626822 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The property is located in a special flood hazard area and the Flood Hazard Notice is missing. | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: Per the PCCD (p.130), there were funds paid to purchase in the amount of $161,959.33. The loan file is missing the payoff statement verifying that payment. The loan file contains an unsigned letter saying the buy out amount for my sister is $167,150; however, that is not the amount that was paid, and it was not signed by the borrower, or the people being bought out confirming that was the agreed amount.<br>\*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: Guideline requirements have not been met. 1008/1003 reflects self-employed income of $X,XXX.XX for one business and a loss of $X,XXX.XXfor another business for total qualifying income of $X,XXX.XX/month. Audit income is $X,XXX.XX/month total for the borrowers two self-employed businesses; however, at origination, the lender also used rental income to offset the subject property PITIA (p.219) and audit did not as the rental income for the subject is incorporated in the borrower's 1065 income for XXX XXXXXXXX XXX XXX XXX which the borrower owns 50%, which is the rent on the subject property and is incorporated in the borrowers income. This results in a DTI of 66.522% which exceeds the guideline maximum of 60%.<br>\*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV RX,XXX.XX<br> COMMENT: Guideline requirements have not been met. 1008/1003 reflects self-employed income of $X,XXX.XX for one business and a loss of $X,XXX.XX for another business for total qualifying income of $X,XXX.XX/month. Audit income is $X,XXX.XX/month total for the borrowers two self-employed businesses; however, at origination, the lender also used rental income to offset the subject property PITIA (p.219) and audit did not as the rental income for the subject is incorporated in the borrower's 1065 income for XXX XXXXXXXX XXX XXX XXX which the borrower owns 50%, which is the rent on the subject property and is incorporated in the borrowers income. This results in a DTI of 66.522% which exceeds the guideline maximum of 60%.<br>\*\*\* (CURED) DTI/Residual income outside of guidelines (ATR) - EV R<br> COMMENT: Ability to repay requirements have not been met. 1008/1003 reflects self-employed income of $X,XXX.XX for one business and a loss of $X,XXX.XX for another business for total qualifying income of $X,XXX.XX /month. Audit income is $X,XXX.XX /month total for the borrowers two self-employed businesses; however, at origination, the lender also used rental income to offset the subject property PITIA (p.219) and audit did not as the rental income for the subject is incorporated in the borrower's 1065 income for XXX XXXXXXXX XXX XXX XXX which the borrower owns 50%, which is the rent on the subject property and is incorporated in the borrowers income. This results in a DTI of 66.522% which exceeds the guideline maximum of 60%.<br>\*\*\* (CURED) Quality of Appraisal Report Unacceptable - EV R<br> COMMENT: The appraisal shows the subject is owner occupied; however, per the loan type, the subject is an investment property and the 1065 business returns reflect rental income.<br>\*\*\* (CURED) Title issue - EV R<br> COMMENT: The preliminary title dated X/XX/XXXX (p.327) reflects the property is in the name of XXXXXXX XXXXXXXX XXX XXXXX XXXXXXXX, husband and wife and XXXXXX XXXXXXXX as separate estates and the DOT from 7/29/XXXX shows the same as the preliminary title (p.343); however, there is a Deed dated X/XX/XXXX, four days after the Note date, showing the Grantors as XXXXXXX XXXXXXXX XXX XXXXX XXXXXXXX and the borrower as the Grantee. There is no clarification for the discrepancy. Why the borrower shows as an owner since XXXX on the title and prior DOT, but there is a Deed dated after the Note showing the transfer of title that does not show her as the owner.<br>\*\*\* (CURED) Valid ID - Missing - EV R<br> COMMENT: Lender guidelines (p.24) required the confirmation of the borrower's identity. The loan file is missing a copy of the borrower's valid ID or a completed Patriot Act form or CIP form. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626823 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 |  | \*\*\* (OPEN) Missing Documentation - EV 2<br> COMMENT: The amendment to the contract (p.316) states there is a seller credit of $X,XXX added and the original contract has a sales price of $XXX,XXX (p.319); however, per the final CD (p.179), there is a sales price of $XXX,XXX and no seller credit. The loan file is missing a fully executed amendment to support the sales price of $XXX,XXX and no seller credit per the final Closing Disclosure.<br>\*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 2<br> COMMENT: The figures on the "Escrow Account" table (p4) of the CD issued XX/XX/XXXX1 do not match the IEAD provided at consummation. The "Monthly Escrow Payment" ($XXX.XX) on the "Escrow Account" appears to be correct ; however, this amount does not match the "Payments to Escrow Account" ($XXX.XX) column on the IEAD. In addition, the "Initial Escrow Payment) $XXX.XX) on the "Escrow Account" table of the CD does not match the "Escrow Account Balance" ($XXX.XX) of the IEAD. The defect can be resolved by providing accurate figures. Consummation occurred XX/XX/XXXX and the transaction is a purchase of a primary residence. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626824 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626825 | XXXX XX/XXXX - Compliance |  | 3 | 3 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: Driver's license (p.309) does not have a first name listed and the SS Card (p.310) has the full name as XXX XXXXXXX the Certificate of Naturalization (p.312) has the borrowers name as XXXXXXX XXXXXX, paystubs and W2's have name as XXXX XXX (p.344-347) and bank statements have XXXXXXX XXXXXX (p.352). The loan file does not have clarification for the discrepancies in the borrower's name.<br>\*\*\* (CURED) Unable to verify PITI on other mortgage related obligations (ATR) - EV R<br> COMMENT: The fraud report (p.578) shows the borrower has an inactive mortgage on the departure residence from XXXX and that he currently owns the property (p.580) that was purchased X/XX/XXXX; however, the loan application (p.161) states he rents the property and shows no REO's listed (p.163). The $XX,XXX mortgage used to purchase the property is shown on the credit report as paid in full (p.323). The loan file is missing evidence the property is owned free and clear and evidence of the taxes, insurance and HOA for the property to include in the DTI or evidence it is no longer owned. | \*\*\* (WAIVED) Asset Verification insufficient - EV W<br> COMMENT: The XXX statement for account #XXXX (p.352) appears to be incomplete; however, all six pages are included. The Account Summary shows ATM and debit card subtractions of $914.88 and other subtractions of $11,888.25; however, page 4 of 6 confirms ATM and debit card subtractions of $914.88 but the total of other subtractions on pages 4-5 of 6 reflects total other subtractions of $1,988.25. There is a discrepancy of $9,900 between the summary on page 1 and the actual listed subtractions that is not addressed.<br>\*\*\* (WAIVED) FEMA Declaration - Natural Disaster Area (Individual). Missing Subsequent Property Inspection - EV W<br> COMMENT: The subject is within a XXXX declared disaster area for a Severe Storms and Flooding (DR-4749-IL) with an incident period of XX/XX-XX/XX/XXXX. A post disaster inspection to verify there is no damage to the subject property was not provided at time of audit. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626826 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 1 | 2 | 1 | 1 | 2 | 1 |  | \*\*\* (OPEN) Appraisal incomplete (missing map, layout, pages, etc) - EV 2<br> COMMENT: Appraisal address lists only unit #XXX, whereas the Note and Mortgage documents have units #XXX-XXX. The property address on the appraisal should match the legal documents. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626827 | XXXX XX/XXXX - Compliance |  | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) Cash reserves less than required by guidelines - EV 2<br> COMMENT: The EMD and funds to close were all paid by documented gifts. The borrower does not have any additional verified assets. Lender guidelines require two-months PITIA reserves which is equivalent to $XX,XXX. The borrower has not met the reserve requirement. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626828 | XXXX XX/XXXX - Compliance |  | 2 | 3 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing income documentation (ATR) - EV R<br> COMMENT: The loan file contains a XXX dated X/XX/XXXX showing the borrowers earnings are $XX/hour working 42 hours per week with a hire date of X/XX/XXXX (p.376) and a Written VOE dated XX/XX/XXXX saying hourly income is $XX/hour with a 40 hour work week; however, the one paystub in the file for the co-borrowers employment (p.328) shows the borrowers hourly rate of $XX/hour. The loan file does not contain clarification for the fact that the borrower has been employed for only 8 months and there are three different documents in the file (XXX, written VOE and paystub) that all have different hourly rates for the borrower and the file contains no clarification for the differences.<br>\*\*\* (CURED) Missing sufficient employment documentation (ATR) - EV R<br> COMMENT: The loan file contains a XXX from XXXXXXXXXX XXXXXXXXXX XXXXXXXX dated X/XX/XXX for the co-borrower stating the original hire date of X/XX/XXXX and most recent start date of X/X/XXXX(p.378) and showing he is still an active employee. Then the file contains two VVOE's from this same employer; however, they are for the borrower instead of the co-borrower and one dated XX/XX/XXXX shows he is no longer active and the start date of X/XX/XXXX thru X/XX/XXXX (p.417) while the second dated XX/XX/XXXX also has the wrong borrowers name and says the employment dates are X/XX/XXXX-X/XX/XXXX (p.419). The file contains a XXXX W2 for the co-borrower (p.397) showing earnings of $XX,XXX.XX which verifies it is the co-borrower and not the borrower that was employed by XXXXXXXXXX and that he was employed for a period in XXXX; however, without clarification of the correct dates of employment, the file does not contain a clear employment history for the co-borrower. | \*\*\* (WAIVED) Missing Documentation - EV W<br> COMMENT: The loan application has two CO XXXXX XXXXXXX obligations for the co-borrower totaling $643/month ($80 + $563). The credit report for the co-borrower has an account with CO Division of XXXXX XXXXXXX with a balance of $36,633 and a payment of $80 last reported 12/23/2023 (p.131). The file also contains a XXXXX XXXXXXX Obligation Worksheet dated 9/8/2010 for three children, one of which is the borrower, and all three children are 27 and 28 years of age. The loan file does not contain documentation to verify the additional obligation of $563/month reflected on the loan application. This is the figure on the Worksheet listed as Low Income adjustment amount from XXXX for three adult children. Documentation to verify the two XXXXX XXXXXXX obligations (XXXXX XXXXXXX orders) is required. Additionally, it is to be noted, if the XXXXX XXXXXXX is arrears, lender guidelines required all arrearages to be brought current prior to loan closing. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626829 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. | \*\*\* (CURED) Missing evidence of TRID Disclosure Delivery - EV R<br> COMMENT: The loan failed the Revised Loan Estimate delivery date tests (after issuance of Closing Disclosure). The Revised Loan Estimates issued on XX/XX/XXXX and XX/XX/XXXXwere issued after providing the Closing Disclosure issued on XX/XX/XXXX.<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: The loan failed the charges that cannot increase test. Although the addition to the following fees was valid, because the revised LE issued on XX/XX/XXXX was provided to the consumer after the CD issued on XX/XX/XXXX, baseline did not reset: Discount Points $2,000.00. A cost to cure in the amount of $2,000.00 is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626830 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: The loan file does not contain a copy of the CD for the sale of the departure residence net $650,000 as indicated on the loan application. Total fund to close is $610,283.18 plus 2 months reserves for a total of $622,034.00. The borrower is short $616,084.76.<br>\*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: The loan file does not contain a copy of the CD for the sale of the departure residence net $650,000 as indicated on the loan application. Total fund to close is $610,283.18 plus 2 months reserves for a total of $622,034.00. The borrower is short $616,084.76.<br>\*\*\* (CURED) Missing asset documentation (ATR) - EV R<br> COMMENT: The loan does not meet the ATR due to insufficient funds. The loan file does not contain a copy of the CD for the sale of the departure residence net $650,000 as indicated on the loan application. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626831 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626832 | XXXX XX/XXXX - Compliance |  | 2 | 3 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file is missing the Permanent Resident Alien card for the borrower.<br>\*\*\* (CURED) Missing sufficient employment documentation (ATR) - EV R<br> COMMENT: XXXXX XXXXXXXXX XX XXXXX for the co-borrowers business dated 7/19/2023 (p.399) reflects the business was involuntary ended; however, the CPA letter dated 7/20/2023 (p.400) states it is still active. Based on the XXXXX XXXXXXXXX XX XXXXX, the business is not active. The file does not have clarification for the discrepancy of the business status.<br>\*\*\* (CURED) Title issue - EV R<br> COMMENT: The preliminary title reflects a federal tax lien in the amount of $XXX,XXX.XX secured to the subject. The loan file does not contain evidence this was released. | \*\*\* (WAIVED) Occupancy- Potential Occupancy Misrepresentation - EV W<br> COMMENT: Occupancy is questionable. The subject property was purchased as a primary residence. Both the borrower and co-borrower currently own their own separate primary residences. Per the loan application, they will be both renting out their individual primary residences and moving with their spouses to the subject property together as a primary residence and renting their departure residences along with their three other rental properties. The loan file does not contain clarification of the intent with an explanation of the motive to move to the subject for both parties. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626833 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) Missing Documentation - EV 2<br> COMMENT: The occupancy type is not clear. Per the declarations for the borrower (p.430), he does not intend to occupy; however, the declarations for the co-borrower (p.436) says she intends to occupy the subject property. The 1008 (p.470) says investment property while 1003 section 4 says primary residence (p.430) and the occupancy affidavit (p.473) says investment property while the occupancy affidavit (p.475) says primary residence. There are Non-Homestead affidavits signed in the file (p.893-894) and per the email (p.877), the property is being bought for their disabled son, so it is not a primary residence. The loan application and 1008 should match with the occupancy type of Investment property. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626834 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626835 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626836 | XXXX XX/XXXX - Compliance |  | 3 | 2 | 3 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID - 10% tolerance violation - EV 2<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). Because the SPL was missing/late, fees in Section C were subject to 10% tolerance. The changes resulted in threshold to go above allowable tolerance. A cost to cure in the amount of $XXX.XX is required. The defect may be resolved by providing the missing document, reimbursing the consumer, or providing a valid reason for the increases. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). Consummation occurred XX/XX/XXXX and the transaction is a purchase of a primary residence. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID - SPL missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: The initial 1003 is missing. Unable to determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Homeownership Counseling Disclosure. The defect can be resolved by providing the missing document.<br>\*\*\* (CURED) Missing sufficient employment documentation (ATR) - EV R<br> COMMENT: The VVOE for the borrower (p.690) states his employment started 9/1/XXXX; however, the VOE (p.502) states his start date is 8/23/XXXX, which is less than two years (Note date is 3/29/XXXX). The loan file does not contain clarification for the correct date of employment to verify a two year employment history.<br>\*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent.<br>\*\*\* (CURED) Valid ID - Missing - EV R<br> COMMENT: The loan file is missing valid ID or completed Patriot Act form for both borrowers. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626837 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXXPer § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The credit report (p.245) has an alert for the social security number. The loan file is missing SSN validation to verify accuracy.<br>\*\*\* (CURED) TRID - 10% tolerance violation - EV R<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: (Recording Fee) 2/9/2024. The change resulted in the 10% threshold to go above allowable tolerance. A cost to cure in the amount of $2.40 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626838 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 2 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Evidence of Appraisal delivery - EV 2<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1))<br>\*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. | \*\*\* (CURED) TRID - 10% tolerance violation - EV R<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: (Engineer Cert) 11/5/XXXX and (Recording Fee) 9/22/XXXX. The change resulted in the 10% threshold to go above allowable tolerance. A cost to cure in the amount of $76.10 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (CURED) Unable to verify PITI on other mortgage related obligations (ATR) - EV R<br> COMMENT: Per the loan file, the borrower owns an investment property located at XXXX X. XXXXX XX. with a mortgage secured to it from XXXX XXXXXXXX XXXX having a monthly payment of $451 (p.595). Per the mortgage statement (p.430), taxes and insurance are not included in the mortgage payment. The borrowers paid off this mortgage with the proceeds of the subject property; however, the file is missing evidence of the taxes and insurance on the property and there is nothing stated on the loan application to include in the DTI. Without this documentation, the DTI is not properly calculated. | \*\*\* (WAIVED) Hazard Insurance - EV W<br> COMMENT: Flood insurance policy is missing. The hazard insurance policy (p.330) states it includes flood coverage; however, it does not specify the flood insurance coverage amount to verify sufficient coverage. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626839 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626840 | XXXX XX/XXXX - Compliance |  | 2 | 3 | 1 | 3 | 1 | 1 | 1 | 1 |  |  |  | \*\*\* (WAIVED) Appraised value not supported. Form Type and CU Score - EV W<br> COMMENT: The subject appraised as is for $XXX,XXX. Site size and value is bracketed; however, the subject condition is C4 and all comparables condition are C2 or C3. FNMA CU Score is 5 and although detail in reasoning for the use of comparables was provided by the appraiser, Agency does not agree with the use of comps and adjustments made. No additional valuation to support the file was provided. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626841 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626842 | XXXX XX/XXXX - Compliance |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Asset documentation does not meet guideline requirment - EV R<br> COMMENT: The loan file is missing the terms of withdrawal for the 401K account. Per lender guidelines, the account must allow for withdrawals regardless of employment status.<br>\*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The Deed dated X/XX/XXXX transferring ownership from XXXXXX X. XXXX to the borrower is not executed (p.520). The loan file is missing the signed Deed.<br>\*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file does contain the written agreement of the terms of transfer (p.522); however, it is not signed as required. The loan file is missing the signed agreement.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The hazard insurance policy for the subject property (p.677) is a renter's policy; however, the subject property is a primary residence. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626843 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. | \*\*\* (CURED) TRID - 10% tolerance violation - EV R<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The addition of the Title Attendance/Pick Up fee on the consummation CD, and the increase to the following fees on the CD issued 8/21/2023 was not accepted because a valid reason was not provided: Title E-recording (+.65) and Recording Fee (+156). The change resulted in the 10% threshold to go above allowable tolerance by $244.95. A refund of $85.60 was refunded at closing. A cost to cure in the amount of $159.35 is still required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to discount points on the CD issued 8/24/2023 was not accepted because a valid reason was not provided. A cost to cure in the amount of $252 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626844 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626845 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The borrower states on loan application the current primary at X XXXXXXX XXXXX XX, mortgage debt is in non occupant spouses name. The file does not contain valid proof the borrower is not responsible for the mortgage through a copy of the Note, payment, title run down report or fraud report.<br>\*\*\* (CURED) Unable to verify PITI on other mortgage related obligations (ATR) - EV R<br> COMMENT: The loan file shows two additional rental units on the tax returns for XXXX that no longer appear on the loan application but were not sold in XXXX. It is unclear the status of these properties located at XXXXX XXXX XXX XXXXXXXXXX. The DTI without additional mortgage PITIA is 50%. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626846 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Evidence of Appraisal delivery - EV 2<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626847 | XXXX XX/XXXX - Compliance |  | 3 | 3 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The primary residence listed on page one of the loan application says the borrower owns it (p.657); however, it is not listed in the real estate owned section of the loan application including the expenses in the DTI. The file contains a letter (p.37) stating it is owned free and clear and there are not taxes on the property; however, there is no documentation to support this. The loan file is missing documentation to verify the departure residence on XXXX XXXXX is owned free and clear and verifying the taxes and insurance on the property to include in the DTI. Audit DTI with no additional debt is 39.35%.<br>\*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The XXXX Schedule E reflects a rental property at XXXXX XXXXXXX (p.545) that is not disclosed on the loan application. The file contains a letter from the borrower (p.37) that states the property is sold and it can be seen on the capital gains on the tax return. The XXXX tax returns show a residential property was sold 5/18/XXXX (p.570); however, it does not list the address of the property sold to verify it was the cited property. Provide the Closing Disclosure for the sale of the property to verify it is no longer owned. Audit DTI with no additional debt is 39.35% | \*\*\* (WAIVED) FEMA Declaration - Natural Disaster Area (Individual & Public). Missing Subsequent Property Inspection - EV W<br> COMMENT: The subject is in a XXXX disaster area with an incident period of XX/XXXX-XX/XX/XXXX. The loan file is missing a post-disaster inspection verifying no damage has been done to the subject property. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626848 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 2 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)), the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)), and the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. Consummation occurred XX/XX/XXXX and the transaction is a purchase of a primary residence. The statute of limitation has expired.<br>\*\*\* (OPEN) Evidence of Appraisal delivery - EV 2<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided XX/XX/XXXX1/10/2022. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1))<br>\*\*\* (OPEN) TRID - SPL missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL.<br>\*\*\* (OPEN) TRID- Initial LE timing fail - EV 2<br> COMMENT: The loan failed the Initial Loan Estimate delivery date test (from application). The earliest LE in the loan file was issued on XX/XX/XXXXand was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. Consummation occurred XX/XX/XXXX and the transaction is a purchase of a primary residence. The statute of limitation has expired. |  | \*\*\* (WAIVED) MI, FHA or MIC missing and required - EV W<br> COMMENT: The MI Cert is missing. The factors for testing were found on the Evidence of Mortgage Insurance located on page 145. Although these were used for testing, the MI Cert from the provider is required. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626849 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Condo HOA Documentation - EV R<br> COMMENT: The loan file did not contain any information regarding the condo project, including if the property is warrantable or non warrantable, master policy for building or condo questionnaire.<br>\*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: The max DTI of 60% was not met. The borrower has had multiple employers over the course of the last 2 years. BRW has been with current employer since XX/XX/XXXX approximately 4 months. The current earnings for this time shows income significantly higher than the BRW has earned over the last 2 year. The prior year of XXXX YTD income levels were lower resulting in a monthly income of $X,XXX.XX. The current paystubs show earnings of $XX.XX per hour at 40 hours weekly or $X,XXX.XX3 per month. Per guidelines stable monthly income is defined as a minimum 1 year of receiving income for it to be stable and considered for use to qualify. Borrowers income is not supported based on previous employment and earnings provided. Based on an average of YTD and previous W2 earnings the loan would be qualified earning of $X,XXX.XX monthly. The borrower also receives SSI for child which is $X,XXX.XXand is included in total income calculations of calculations of $X,XXX.XX. With both incomes, the DTI exceeds 60% allowed for the program. The audit DTI is 85.7%.<br>\*\*\* (CURED) DTI/Residual income outside of guidelines (ATR) - EV R<br> COMMENT: The loan file does not meet ATR due to DTI exceeding 60% max DTI. The borrower has had multiple employers over the course of the last 2 years. BRW has been with current employer since XX/XX/XXXX approximately 4 months. The current earnings for this time shows income significantly higher than the BRW has earned over the last 2 year. The prior year of XXXX YTD income levels were lower resulting in a monthly income of $X,XXX.XX. The current paystubs show earnings of $XX.XX per hour at 40 hours weekly or $X,XXX.XX per month. Per guidelines stable monthly income is defined as a minimum 1 year of receiving income for it to be stable and considered for use to qualify. Borrowers income is not supported based on previous employment and earnings provided. Based on an average of YTD and previous W2 earnings the loan would be qualified earning of $X,XXX.XX monthly. The borrower also receives SSI for child which is $X,XXX.XX and is included in total income calculations of calculations of $X,XXX.XX. With both incomes, the DTI exceeds 60% allowed for the program. The audit DTI is 85.7%.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The file is missing the HO6 policy on the subject for "walls in" coverage. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626850 | XXXX XX/XXXX - Compliance |  | 3 | 3 | 1 | 3 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Condo HOA Documentation - EV R<br> COMMENT: The loan file is missing the condominium questionnaire to determine all requirements have been met and evidence a full review was completed as required by lender guidelines (p.59)<br>\*\*\* (CURED) Unable to verify PITI on other mortgage related obligations (ATR) - EV R<br> COMMENT: The loan application states the borrower owns her primary residence (p.752); however, it is not reflected in the REO section of the loan application (p.754). The Liability section has a XXXXXX XXXXXXXX #XXXX listed for $XXXX,XXX with a payment of $X,XXX.XX1 and the 1008 (p.803) states this XXXXXX XXXXXXXX is on the primary residence and the Closing Disclosure and Note were in the file. The loan file is missing the Closing Disclosure and Note for the new XXXXXX XXXXXXXX secured to the primary residence to verify the PITI for the primary residence. Audit used the loan application figure for calculations. | \*\*\* (WAIVED) Property Issues indicated - EV W<br> COMMENT: Review of guidelines do not require the actual Condo Questionnaire form and Appraisal or condominium questionnaire is acceptable to determine eligibility. As condo questionnaire is not available, the appraisal information is relied upon. The loan file does not contain verification a full review was completed and approved. XXXX guidelines allow non-Warrantable condominiums; however, the maximum allowable investor concentration is up to 70% allowed. Per the appraisal there are a total of XXX units sold with 462 rented units, making the investor concentration 84.9% which exceeds the maximum allowable of 70%. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626851 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The CD shows that the borrower received XXXXXXX XXXX assistance, the loan file does not contain documentation regarding this assistance and potential for pay back.<br>\*\*\* (CURED) Missing asset documentation (ATR) - EV R<br> COMMENT: The loan file is missing assets to verify sufficient funds to close in the amount of $X,XXX.XX plus 2 months PITIA reserves $X,XXX.XX for a total of $X,XXX.XX. The application lists a checking account from XXXXXX XXXXXXXXX XXXX with a balance of $XX,XXX.XX; however, no bank statements provided. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626852 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Evidence of Appraisal delivery - EV 2<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1))<br>\*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. | \*\*\* (CURED) Completed "Subject To" w/o Compltn Cert in File - EV R<br> COMMENT: Per the appraisal on page 674 the value was subject to completion per plans and specifications. The file does not have a Final Inspection.<br>\*\*\* (CURED) Condo HOA Documentation - EV R<br> COMMENT: The loan file is missing the condo certification if Warrantable or Unwarrantable.<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the appraisal fee on the LE issued XX/XX/XXXX was not accepted because a valid reason was not provided. A cost to cure in the amount of $25 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626853 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626854 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: The loan file did not contain sufficient funds to close the subject loan. The CD in file shows cash to close of $128,569.73 + a $6,500 deposit made. The documentation for funds to close and the deposit were not located. The loan file only verifies assets with Security Service of $9,367.92. The rest of the funds were to come from the sale of XXXXXXXXXXXXX property; however the CD for this sale was not in the loan file.<br>\*\*\* (CURED) Missing asset documentation (ATR) - EV R<br> COMMENT: The loan does not meet the ATR due to insufficient assets verified to close the subject loan. The CD in file shows cash to close of $128,569.73 + a $6,500 deposit made. The documentation for funds to close and the deposit were not located. The loan file only verifies assets with Security Service of $9,367.92. The rest of the funds were to come from the sale of XXXXXXXXXXXXX property; however the CD for this sale was not in the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626855 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626856 | XXXX XX/XXXX - Compliance |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) TRID- Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). Without evidence of receipt, it is assumed that the disclosure dated X/X/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, X/X/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. Consummation occurred X/X/XXXX and the transaction is a purchase of a primary residence. The statute of limitation has expired. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626857 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626858 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626859 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Lease Requirement - EV R<br> COMMENT: The file contains rental leases for the subject beginning 10/15/XXXX (p.968), 12/1/XXXX (p.973); however, the subject was appraised 1/18/2023 and all units were vacant. The file does not contain clarification for this discrepancy.<br>\*\*\* (CURED) Missing income documentation (ATR) - EV R<br> COMMENT: The loan file is missing the XXXX 1065 for XXXX XXXXXX,XXX and XXXX 1120 for XXXXX XXXXXX XXX to allow audit to calculate income. The file contains the XXXX 1065 (p.765) and K1 (p.773) and the XXXX K1 (p.1125) only for XXXX XXXXXX,XXX and XXXX 1120 (p.750) for XXXXX XXXXXX XXX. Based on the Income Worksheets (p.79-80), the XXXX 1065 and the XXXX 1120 was used to calculate origination income. XXXX guidelines require the use of the most recent tax returns. Audit use origination income until the receipt of the XXXX 1120 and 1065.<br>\*\*\* (CURED) Missing Lease Agreement - EV R<br> COMMENT: The lease in the file forXXX XXXX XX, 1st Floor is not signed by the landlord or the tenant (p.982). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626860 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626863 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626864 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626865 | XXXX XX/XXXX - Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626866 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. | \*\*\* (CURED) TRID - 10% tolerance violation - EV R<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: Recording fees, (1/3/2024. The change resulted in the 10% threshold to go above allowable tolerance. A cost to cure in the amount of $5.00 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on 1/3/2024 was not accepted because a valid reason was not provided: Appraisal Fee. A cost to cure in the amount of enter amount $200.00 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626867 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626868 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626869 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) Purchase Contract - EV 2<br> COMMENT: Per the contract of sale (p.319) #20, the borrower does not intend to occupy the subject property; however, the Occupancy Affidavit (p.84) states the subject will be occupied as a primary residence. The loan closed as a primary residence. The loan file does not contain clarification for the discrepancy of the occupancy or an updated contract. | \*\*\* (CURED) Missing Lease Agreement - EV R<br> COMMENT: Lender guidelines (p.43) state for the purchase of an investment property or 2-4 units, use the estimated market rents or actual rents if leases are being transferred with the purchase. Per the appraisal, the subject is a four unit with three units tenant occupied and one unit vacant. Photos support on vacant unit. The loan file contains a letter (p.208) stating the leases will be transferred upon completion of purchase; however, the loan file does not contain the leases to verify the lease amounts to use for rental income as required. Audit used appraisal amount of $1,000 for each of the three units for rental income until receipt of the leases. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626870 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Income documentation is incomplete - EV R<br> COMMENT: The loan file is missing the XXXX K1 for the borrower from XXX XXXX, XXX |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626871 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626872 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 2 | 3 | 3 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application.<br>\*\*\* (OPEN) Evidence of Appraisal delivery - EV 2<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1))<br>\*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 2<br> COMMENT: The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. Per (§ 3500.17(g)) the servicer must submit an initial escrow account statement to the borrower at settlement or within forty-five calendar days of settlement for escrow accounts that are established as a condition of the loan.<br>\*\*\* (OPEN) TRID - SPL missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: The initial 1003 is missing. Unable to determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Homeownership Counseling Disclosure. The defect can be resolved by providing the missing document.<br>\*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: The loan file is missing the flood cert.<br>\*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent.<br>\*\*\* (CURED) Rate Lock Date (Information) - EV R<br> COMMENT: The lock confirmation (document showing date of rate lock) is missing. Auditor is unable to determine if the revised disclosure issued 11/27/2023 was provided within 3 business days of the lock date. Although the regulation does not require a revised disclosure unless the charges and or terms become inaccurate, without a disclosure, the auditor is unable to determine if lender credits were added or increased. The defect may be cured by providing evidence lender credits did not increase once the rate locked.<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the discount points on disclosure 11/27/2023 was not accepted. Although the change appears to be valid (rate lock), because a date was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $2700 is required. The defect can be cured by reimbursing the consumer or by providing the lock date. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (CURED) TRID- Initial CD delivery date test fail - EV R<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD may be missing from the loan file. The earliest CD in the loan file was issued 12/6/2023 and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, 12/6/2023. If disclosure was delivered electronically, the E-consent is required as well.<br>\*\*\* (CURED) Valid ID - Missing - EV R<br> COMMENT: The loan file is missing a valid ID or completed Patriot Act form verifying the borrowers ID. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626873 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 |  | \*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV 2<br> COMMENT: This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. | \*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the appraisal fee on disclosure 9/5/23, and the addition of the Title E-Recording fee (paid to affiliate) on the CD 9/15/23 were not accepted because a valid reason was not provided. A cost to cure in the amount of $35 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626874 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 2 | 3 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Evidence of Appraisal delivery - EV 2<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) | \*\*\* (CURED) Condo HOA Documentation - EV R<br> COMMENT: The Condo Questionnaire states there is a special assessment of $2,500,000 that is paid monthly; however, does not have a breakdown of how much per unit (p.269 & 271) to include in the DTI. The current audit DTI is 44.7%. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626875 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 2 | 3 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Evidence of Appraisal delivery - EV 2<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file is missing the Closing Disclosure for sale of departure residence located at XXXXXXXXXX XXXXX XX verifying the property has been sold and the net proceeds. Per the loan application (p.248) the borrower had net proceeds from the sale of $XX,XXX and the mortgage was not included in the DTI; however, the file does not contain the documentation verifying the property sold. | \*\*\* (WAIVED) Missing Documentation - EV W<br> COMMENT: Per the final CD (p.93), the borrower received a XXXXXXXXX Affordable Grant of $7,500. The loan file is missing the documentation for this grant to verify the funds are eligible. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626876 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626877 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626878 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Final Application is missing - EV R<br> COMMENT: The loan file is missing the signed final loan application for both borrowers.<br>\*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent.<br>\*\*\* (CURED) TRID - Initial CD delivery date test fail - EV R<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) Although evidence was provided showing the consumer received the disclosure electronically, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. Consummation occurred X/X/XXXX and the transaction is a refinance of an investment property. The statute of limitation has expired. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626879 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The final loan application (p.346) shows a mortgage with XXXXXXX XXXXXXXXXXX XXXXXXXX in the amount of $XXX,XXX with a payment of $XXX.XX secured to XXX XXX XXXXXXXX XX that is not on the credit report. The loan file does not contain any documentation to verify this mortgage amount and payment.<br>\*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: The loan files does not meet the program guidelines of 60% max DTI. Based on the 1 year personal and business returns received, the income was less than that used at origination. At origination the W2 earnings were higher in the calculation than what was listed on the W2's. Once corrected the DTI increased to 61.8%.<br>\*\*\* (CURED) DTI/Residual income outside of guidelines (ATR) - EV R<br> COMMENT: The receipt of income docs confirms the loan does not meet the program guidelines for DTI. The DTI exceeds 60% allowed at 61.8%. This is based off a 1 year review of personal and business tax returns. Review of the origination income calculation shows that the W2 earnings were input higher than confirmed by the W2's in file.<br>\*\*\* (CURED) Missing income documentation (ATR) - EV R<br> COMMENT: Both borrowers are self-employed owning the same business. Lender guidelines require the most recent year personal tax returns and business tax returns (form 1065/1120S) & K1's for the most recent year. The loan file does not contain either. Income worksheets in the file (p.677-678) include information from 1120S returns; however, they are not in the file to enable audit to calculate income. Additionally, the borrower owns the subject investment property and an additional investment property, and the file is missing the Schedule E from the prior year to calculate rental income. Rental Income worksheets for both properties (p.673-674) are in the file; however, the file does not contain the tax returns. Audit has used origination income as documentation is not available. It is to be noted once income documents are received additional exceptions maybe found. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626880 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626881 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Credit report incomplete - EV R<br> COMMENT: The loan file is missing the OFAC check for both borrowers.<br>\*\*\* (CURED) Missing Fraud Report - EV R<br> COMMENT: The loan file is missing a fraud report.<br>\*\*\* (CURED) Participant list - EV R<br> COMMENT: The loan file is missing the Limited Denial Participant check for the loan participants. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626882 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626883 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Unable to verify PITI on other mortgage related obligations (ATR) - EV R<br> COMMENT: The fraud report (p.177) reflects the borrower owns a property located at XX XXXX XXX, XXX XX since XXXX with a mortgage of $XXX,XXX. This property was not disclosed on the loan application. The loan file is missing evidence the property is no longer owned or evidence of the PITIA to include in the DTI. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626884 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626885 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 2 | 3 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, 3/6/2023.<br>\*\*\* (OPEN) Evidence of Appraisal delivery - EV 2<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XXXXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1))<br>\*\*\* (OPEN) TRID - SPL missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: The initial 1003 is missing. The defect can be resolved by providing the missing document. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626886 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 2 |  | \*\*\* (OPEN) Evidence of Appraisal delivery - EV 2<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, X/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)).<br>\*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. If transaction meets guidelines for business purposes, the affidavit of occupancy and the business purpose letter stating the cash is to be used for business may cure the violation.<br>\*\*\* (OPEN) TRID - 10% tolerance violation - EV 2<br> COMMENT: The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). Because the SPL was missing/, fees in Section C were subject to 10% tolerance. The changes resulted in threshold to go above allowable tolerance. A cost to cure in the amount of $XXX.XX is required. The defect may be resolved by providing the missing document, reimbursing the consumer, or providing a valid reason for the increases. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the business purpose letter stating the cash is to be used for business may cure the violation. Consummation occurred X/XX/XXXX and the transaction is a refinance of an investment property. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID - Initial CD delivery date test fail - EV 2<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii))The initial CD may be missing from the loan file. The earliest CD in the loan file was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. If transaction meets guidelines for business purposes, the affidavit of occupancy and the business purpose letter stating the cash is to be used for business may cure the violation. Consummation occurred XX/XX/XXXX and the transaction is a refinance of an investment property. The statute of limitation has expired.<br>\*\*\* (OPEN) TRID - SPL missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. If transaction meets guidelines for business purposes, the affidavit of occupancy and the business purpose letter stating the cash is to be used for business may cure the violation.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to discount points on disclosure XX/XX/XXXX was not accepted. Although the change appears to be valid (loan amount), because a date was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or by providing the date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the business purpose letter stating the cash is to be used for business may cure the violation. Consummation occurred XX/XX/XXXXand the transaction is a refinance of an investment property. The statute of limitation has expired. | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: The initial 1003 is missing. Unable to determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Homeownership Counseling Disclosure. The defect can be resolved by providing the missing document. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626887 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: The loan file is missing a flood certificate. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626888 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |  |  | \*\*\* (CURED) TRID - Initial CD delivery date test fail - EV R<br> COMMENT: There is no evidence of an initial and/or revised CD provided to the non-borrower. Per regulation, CD(s) must be provided to all who have the right to rescind. The defect can be resolved by providing evidence showing the non-borrower received the disclosure timely. If disclosure was received electronically, the Econsent is required as well. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626889 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 2 | 3 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Evidence of Appraisal delivery - EV 2<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: The initial 1003 is missing. Unable to determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Homeownership Counseling Disclosure. The defect can be resolved by providing the missing document.<br>\*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file is missing page 1 of the credit bureau verifying all three credit scores.<br>\*\*\* (CURED) Credit report incomplete - EV R<br> COMMENT: The credit report in file on page 64 is incomplete. There is no indication of whose credit report is in the file. All pages for the BRW credit is required. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626890 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626891 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626892 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626893 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626894 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626895 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 2 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Title issue - EV R<br> COMMENT: The preliminary title shows the seller has a mortgage of $XXX,XXX (p.505); however, this does not show as paid off on the final CD (p.7, 11). | \*\*\* (WAIVED) FEMA Declaration - Natural Disaster Area (Public). Missing Subsequent Property Inspection - EV W<br> COMMENT: Lender guidelines state Sellers are responsible for identifying geographic areas impacted by disasters and taking appropriate steps to ensure the subject property has not been adversely affected. The subject is in a XXXX declared disaster area for XXXXXXXXX XXXXXXX with an incident date of XX/XX/XXXX The loan file does not contain a post-disaster inspection verifying no damage was done to the property.<br>\*\*\* (WAIVED) Occupancy- Potential Occupancy Misrepresentation - EV W<br> COMMENT: The subject was purchased as primary residence; however, was an investment property. The loan file contains a post-closing Linked-In printout of a post from the borrower containing pictures of the subject and stating she worked with one of the best investment teams for the renovation and has it listed as a farmhouse inspired rental property (p.129). Additionally, there were many red flags at the time of origination that there is an issue with the occupancy. The Articles of Organization for the Seller (p.299) list the mailing address for the seller as the same address listed on the loan application as the borrower's current residence; therefore, there was a clear relationship between the buyer and seller at the time of origination. According to the appraisal, the seller purchased the subject XX/XX/XXXX for $XXX,XXX (p.319) and there are details of the full interior renovation included in the appraisal (p.330) which supports the Linked In printout that the subject was renovated. Additionally, the contract of sale was signed XX/XX/XXXX; however, the EMD wasn't given until XX/XX/XXXX and totaled all funds needed to close with all of the funds being gift funds. As further verification the subject was not purchased as owner occupied, current Zillow search shows the subject was listed for rent XX/XX/XXXX and the listing was not removed until XX/XX/XXXX |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626896 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 2 | 3 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Evidence of Appraisal delivery - EV 2<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) | \*\*\* (CURED) Missing credit report - EV R<br> COMMENT: The loan file is missing the origination credit report with the file #5415216 that is on the origination inquiry statement (p.36) from the credit company. The loan file contains a post-close credit report dated 6/26/20/XX/XXXX24 (p.19) and X/XX/XXXX (p.27). It is unknown the origination score or if trade line requirements were met at origination without review of the origination credit report. Audit used debt from loan application to calculate the DTI. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626897 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: Per the final CD, the borrower gave an EMD of $10,000 and paid $40,902.61 to close. The EMD is documented (p.232). The borrower has verified assets of $26,116.75 which is not sufficient to close and meet reserve requirements. The loan file is missing the source of funds for the $21,398.65 deposit on 6/9/XXXX intoXXXX XX XXXXXXX #XXXX (p.117); therefore it was backed out of the verified assets. The file contains terms of withdrawal from a 401K and shows a printout showing a withdrawal request was pending as of 5/17/XXXX (p.446) but there is no documentation verifying the deposit of $21,398.65 on 6/9/XXXX was from the 401K.<br>\*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file is missing evidence that the borrower was checked with OFAC with no results found.<br>\*\*\* (CURED) Credit history insufficient/does not meet guidelines (ATR) - EV R<br> COMMENT: The loan file is missing the credit report to verify the credit score of 680 per the 1008 and to evaluate the debt properly and determine if the trade line requirement has been met. Audit used debts from final 1003 to calculate DTI and confirmed score on AUS.<br>\*\*\* (CURED) Missing credit report - EV R<br> COMMENT: The loan file is missing the credit report. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626898 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626899 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: Per the final CD, the borrower gave an EMD of $78,102 and paid $22,835.44 to close. The EMD is documented (p.235, 234, 547). The borrower has verified assets of $9,097.89 which is sufficient to close and meet reserve requirements. The gift of $25,312.67 is not verified as received. Lender guidelines (p.53) state proof of transfer and receipt of gift funds is required to be documented with any of the following: A copy of the donor's check and the borrower's deposit slip, A copy of the donor's withdrawal slip(s) and the borrower's deposit slip, Bank statement evidencing deposit of gift funds, A copy of the donor's check to the closing agent, or the final settlement statement or final Closing Disclosure showing receipt of the donor's check. The file contains a gift letter (p.551) for a gift of $25,312.67 and the donor's ability (p.553); however, none of the required documents verifying receipt of the gift funds is in the file. The file does contain an email from the lender (p.469) to unknown parties saying wire received as the subject and stating the amount received was $23,198.93; however, it does not state who the wire was from to verify it was the gift and it is not from the settlement agent. Actual wire receipt showing who sent the wire and who received the wire is required to verify this was the actual gift funds.<br>\*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file contains an Installment Agreement application for outstanding tax liability from XXXX, XXXX & XXXX (p.565) and confirmation of a payment made on X/XX/XXXX(p.563). The loan file is missing documentation confirming the IRS installment agreement was approved by the IRS and the payment history verifying the loan has been paid in a timely manner.<br>\*\*\* (CURED) VVOE > 10 days prior to Note date - EV R<br> COMMENT: Lender guidelines (p.35) require a verbal VOE or acceptable alternative for self-employed income dated within 120 days of the Note date. The loan file contains a printout from the Secretary of State (acceptable alternative) for both businesses dated 3/8/2023 (p.633-636) which exceeds the 120 days from the Note date of 9/18/2023. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626900 | XXXX Q4 2024 - Credit/Compliance |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Evidence of Appraisal delivery - EV 2<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1))<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The lock confirmation (document showing date of rate lock) is missing. Auditor is unable to determine if the revised disclosure issued XX/XX/XXXX was provided within 3 business days of the lock date. Although the regulation does not require a revised disclosure unless the charges and or terms become inaccurate, without a disclosure, the auditor is unable to determine if lender credits were added or increased. In addition, the lock date is required for HPML testing. The defect may be cured by providing evidence lender credits did not increase once the rate locked. |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626901 | XXXX Q4 2024 - Credit/Compliance |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |  | \*\*\* (OPEN) Evidence of Appraisal delivery - EV 2<br> COMMENT: The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626902 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file is missing evidence the two rental properties located on XXX XX XX are owned free and clear as disclosed on the loan application. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626903 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 3 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: Per the final loan application, the following loans were refinanced and not included in the DTI: XX XXXX XXX #XXXX ($130680) secured against XXXXXXXXX property, XX XXXX XXX #XXXX ($XXX,XXX) secured against the XXXXXX XXXX XX XXXX X property, XXXXXX XXX XX #XXXX ($28422) and XXXXXXX XX #XXXX ($16468). The loan file does not contain the Closing Disclosures verifying these loans were paid in full via refinances.<br>\*\*\* (CURED) Unable to verify PITI on other mortgage related obligations (ATR) - EV RXXX,XXX with a payment of $X,XXX.XX and taxes and insurance of $XXX.XX as well as the XXXXXXXXXXX XX property having a mortgage with XX XX Mortgage in the amount of $XXX,XXX and payment of $X,XXX.XX with taxes and insurance of $XXX.XX. These mortgages do not appear on the credit report and the loan file does not contain documentation verifying these mortgages and PITIA amounts for each property. Audit utilized origination figures for calculation at time of review. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Lender guidelines (p.24) states borrowers may own a maximum number of nine financed properties including the subject property. The borrower owns 10 financed properties inclusive of the subject property. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626904 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) Missing Doc - EV 2<br> COMMENT: The initial application (p.313) has three investment properties (XXXXX XXXX XX and XXXXXX XXX and XXXX XX); however, they are not on the final loan application. The loan file is missing clarification for the removal of the debts. |  | \*\*\* (WAIVED) FEMA Declaration - Natural Disaster Area (Individual). Missing Subsequent Property Inspection - EV W<br> COMMENT: Lender guidelines (p.63) require the lender to take appropriate steps to ensure the subject has not been adversely affected when area is impacted by disaster. The subject property is in a XXXX declared disaster area for Texas Severe Storms, straight line winds, tornadoes and flooding with an incident period of XX/XX/XXXX-XX/XX/XXXX Date of XX/XX/XXXX. The loan file is missing a post-disaster inspection verifying there has been no damage to the subject property. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626905 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626906 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626907 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626908 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 |  | \*\*\* (OPEN) Bankruptcy History does not meet guidelines - EV 2<br> COMMENT: The borrower has filed bankruptcy and foreclosure within 7 years per initial and final 1003 (p.109, 463). The credit report does not reflect either. Data Verify confirms the foreclosure was in XXXX (p.514) which meets the two-year waiting requirements; however, there is nothing in the file verifying the date of the bankruptcy discharge to verify it meets the two-year waiting requirement. | \*\*\* (CURED) Employment Information Incomplete - EV R<br> COMMENT: XXX XXXX XXXXXXr from the current employer states the borrower has been employed with them since XX/XX/XXXX as a Certified Surgical Tech (p.894); however, the loan application (p.460) states the borrower has been employed there since XX/XX/XXXX as a Travel RN. The file does contain prior XXX's to support a two year history of employment; however, there is no verification of the start date of XX/X/XXXX. It is to be noted, it appears the borrower left the current employment at some point in XXXX and returned at some point in XXXX based on the annual income summary; but there is no clarification of the actual dates. The TWN shows the borrower only earned $XXX,XXX.XX0 in XXXX and nothing in XXXX and $XX,XXX in XXXX. Clarification of the active employment dates for the current job is missing to enable determination that the XXXX earnings are in line based on the actual months worked. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626909 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626911 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  |  | \*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: The DTI at audit was found to be 73% vs 60% maximum per program guidelines. This was due to student loans that were not validated to be deferred. The loan file contain validation of 14 deferred student loans but there were an additional 13 loans that were qualified with a 1% payment per guidelines. This increased the final DTI outside of program guidelines.<br>\*\*\* (CURED) DTI/Residual income outside of guidelines (ATR) - EV R<br> COMMENT: The loan does not meet the ability to repay due to a DTI in excess of requirements. The DTI at audit was found to be 73% vs 60% maximum per program guidelines. This was due to student loans that were not validated to be deferred. The loan file contain validation of 14 deferred student loans but there were an additional 13 loans that were qualified with a 1% payment per guidelines. This increased the final DTI outside of program guidelines. |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626912 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626913 | XXXX Q4 2024 - Credit/Compliance |  | 3 | 2 | 1 | 3 | 1 | 1 | 1 | 1 |  |  |  | \*\*\* (WAIVED) Completed "Subject To" w/o Compltn Cert in File - EV W<br> COMMENT: The loan file is missing the completion report for the appraisal. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626914 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626915 | XXXX Q4 2024 - Credit/Compliance |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |

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| **XXXXXXX Loan ID** | **Loan # 1** | **XXXX Loan ID** | **Loan # 3** | **Alt Loan ID** | **Exception Category** | **Exception Sub-Category** | **Exception Status** | **Resolved** | **Loan Exception ID** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Seller Comments** | **Reviewer Comments** | **Exception Remediation** | **Opus Status (Opus Decision for Resolved Status in Col H - Validated or Unvalidated)** | **Opus Comments** | **Clear Reason** | **Compensating Factors** | **Clear** | **Opus Response** |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626017 | Compliance | Compliance | Active | 2: Acceptable with Warnings | PWCJWNHCWAR-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626018 | Compliance | Compliance | Active | 2: Acceptable with Warnings | IZMOVKWD3DL-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626019 | Credit | Eligibility | Active | 3: Curable | COH1ZISU5RL-GBBTF6MZ | Qual Credit Score does not meet elig. requirements | \* Qualifying Credit Score does not meet eligibility requirement(s) (Lvl 3) | Borrower 1 Representative Score is 592 which is not within the guidelines. The min. requirement is 640. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626019 | Credit | Eligibility | Active | 3: Curable | COH1ZISU5RL-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 3) | An LTV/CLTV of 98.19 is unacceptable the LTV is not within the guidelines. The cutoff requirement is 98%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626019 | Credit | Eligibility | Active | 3: Curable | COH1ZISU5RL-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 3) | An LTV/CLTV of 98.19 is unacceptable the LTV is not within the guidelines. The cutoff requirement is 98%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626019 | Compliance | Compliance | Active | 2: Acceptable with Warnings | COH1ZISU5RL-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 2) | The transaction funded prior to consummation. Per the CD issued XX/XX/XXXX, the transaction funded on XX/XX/XXXX; however, consummation took place on XX/XX/XXXX. The defect can be resolved by providing the true funding date. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626021 | Compliance | Compliance | Active | 2: Acceptable with Warnings | I2GT1ZTUTTY-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the charges that cannot increase test and the charges that cannot increase more than 10%. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures delivered timely. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626021 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | I2GT1ZTUTTY-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626021 | Valuation | Data Edit | Resolved | Resolved | I2GT1ZTUTTY-J64WDBIH | Lender Value For LTV Exceeds Sales Price/Appraisal | \* Value used by Lender for LTV Exceeds Sales Price or Appraisal (Lvl R) | Appraised value is XXXX sale price per CD and purchase agreement is $XXX,XXX.XX. Audit used lower value. |  |  |  |  | Validated | No comments provided as to how the LTV issue was resolved. There was nothing in the trailing documents related to LTV. | Compensating factors | Priced appropriately for LTV. Performing loan. Reserves = 6796.68; | Clear | Validated. Lower value utilized for LTV. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626021 | Credit | Credit | Active | 2: Acceptable with Warnings | I2GT1ZTUTTY-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl 2) | The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB finding |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626021 | Compliance | Compliance | Active | 2: Acceptable with Warnings | I2GT1ZTUTTY-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626021 | Compliance | Compliance | Active | 2: Acceptable with Warnings | I2GT1ZTUTTY-YF1S1X5R | TRID- Initial LE timing fail | \* TRID- Initial LE timing fail (Lvl 2) | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626021 | Compliance | Compliance | Active | 2: Acceptable with Warnings | I2GT1ZTUTTY-1E29A8UN | TRID- SPL late | \* TRID- SPL late (Lvl 2) | The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626022 | Compliance | Compliance | Active | 3: Curable | ZRDXPXGW1ZK-ASBYBXYG | VA Loan Fees Not allowed | \* VA Loan Fees Not allowed (Lvl 3) | This loan failed the loan origination fee test. (VA Pamphlet 26-7, Chapter 8.02, VA State Deviation Chart (XX/XX/XXXX). The loan charges the veteran a loan origination fee and/or unauthorized fees, the total of which exceeds 1% of the loan amount. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626022 | Credit | Eligibility | Active | 3: Curable | ZRDXPXGW1ZK-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 3) | LTV of 100% exceeds maximum of 98% permitted per guidelines. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626022 | Credit | Eligibility | Active | 3: Curable | ZRDXPXGW1ZK-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 3) | LTV of 100% exceeds maximum of 98% permitted per guidelines. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626022 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | ZRDXPXGW1ZK-3LSSZ104 | App on/after 2010 & Svc Provider List is Missing | \* Application on/after 2010 and Service Provider List is Missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, tolerance threshold testing was not completed. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626022 | Credit | AUS | Resolved | Resolved | ZRDXPXGW1ZK-4UIPD48Y | AUS Missing | \* Missing AUS (Lvl R) | Need Final AUS as same is missing from the file (DTI not match with the loan Analysis). |  |  |  |  | Validated | AUS not required per GL |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626022 | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ZRDXPXGW1ZK-U4SHPKU0 | Initial Good Faith Estimate is Missing | \* Initial Good Faith Estimate is Missing (Lvl 2) | The initial and/or any revised GFEs are missing from the loan file. The statute of limitation has expired. |  |  |  |  | Not Reviewed | Outside of statute of limitations. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626025 | Compliance | Compliance | Active | 2: Acceptable with Warnings | J3N41WIN2XG-FR16UVJK | QM Points and Fees | \* QM Points and Fees (Lvl 2) | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1)) The following fees were included in the calculation:<br> Points - Loan Discount Fee paid by Borrower: $XXX.XX and Underwriting Fee paid by Borrower: $XXX.XX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. The statute of limitation has expired. |  |  |  |  | Not Reviewed | QM Violation must be cured if cure is available. There is no SOL. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626026 | Compliance | Compliance | Active | 3: Curable | S3ATIV0Y0Z3-ALRISXDQ | ComplianceEase State Regulations Test Failed | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the bona fide discount points test. (NC §24-1.1A (c)(1)(b)) The loan is a first lien mortgage and has a principal amount that is greater than or equal to $XX,XXX.XX and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate. Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are marked as "Bona Fide - State." |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626029 | Credit | Eligibility | Active | 3: Curable | C2253V5RQGJ-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 3) | CLTV of 101.85% exceeds guidelines maximum of 97%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626029 | Compliance | Compliance | Active | 2: Acceptable with Warnings | C2253V5RQGJ-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the LE issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626029 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | C2253V5RQGJ-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)). Without evidence of receipt, it is assumed that the disclosures dated XX/XX/XXXX and XX/XX/XXXX were mailed, and therefore not received by the consumer 4 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the disclosure 4 business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626029 | Compliance | Compliance | Active | 2: Acceptable with Warnings | C2253V5RQGJ-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626029 | Credit | Credit | Active | 2: Acceptable with Warnings | C2253V5RQGJ-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl 2) | There is no date evident on the Tool Kit provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application. |  |  |  |  | Not Reviewed | EVB finding |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626029 | Compliance | Compliance | Active | 2: Acceptable with Warnings | C2253V5RQGJ-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX7. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626033 | Credit | Eligibility | Active | 3: Curable | WYKID32J0G0-GBBTF6MZ | Qual Credit Score does not meet elig. requirements | \* Qualifying Credit Score does not meet eligibility requirement(s) (Lvl 3) | 9 Point Credit score exception. Minimum required credit score for a primary purchase transaction is 600, borrowers median credit score is 591. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626033 | Credit | DTI | Active | 3: Curable | WYKID32J0G0-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl 3) | 67.923% DTI exceeds the maximum allowed of 55%. DU AUS required multiple accounts to be paid off prior to closing, however no evidence of the accounts being paid off in the file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626033 | Credit | Eligibility | Active | 3: Curable | WYKID32J0G0-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 3) | 67.923% DTI exceeds the maximum allowed of 55%. DU AUS required multiple accounts to be paid off prior to closing, however no evidence of the accounts being paid off in the file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626033 | Credit | Debts | Active | 3: Curable | WYKID32J0G0-NNN68MP3 | No evidence of required debt payoff | \* No evidence of required debt payoff (Lvl 3) | Required evidence of payoff for below mentioned liabilities present on credit report:<br> XXXX XXXXXXXXX #XXXX, XXXXXXXXX/XXXXXXX #XXXX, XXXXXXX XXXX XXXX #XXXX, XXXXX XXXXXXX XXXX #XXXX, XXXXXX XXX XXXX XX #XXXX, XXXXX/XXXXXXX XXX #XXXX, XXX/XXXXX #XXXX, XXXXX/XXXXXXX #XXXX, XXXXX XXXXXXX XXXX #XXXX, XXXXXXXX XXXXXXX/XXXX #XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626033 | Credit | Guidelines | Active | 2: Acceptable with Warnings | WYKID32J0G0-E0OJIYDP | Credit score does not meet guidelines | \* Credit score does not meet guidelines (Lvl 2) | Credit score does not meet lender guideline. As per guideline minimum credit score requirement is 600 but as per credit report it is 591. |  |  |  |  | Not Reviewed | No comments provided were provided to justify why this was downgraded to a LVL 2. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626033 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | WYKID32J0G0-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. The defect can be resolved by providing evidence showing the document was issued to the consumer within 3 business days of application. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626033 | Credit | Credit | Active | 2: Acceptable with Warnings | WYKID32J0G0-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl 2) | The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB finding |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626033 | Compliance | Compliance | Active | 2: Acceptable with Warnings | WYKID32J0G0-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test (12 CFR §1026.19(e)(3)(i)). The increase to the following fees on CD dated XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points - Loan Discount Fee $X,XXX.XX and Credit Report Fee $XX.XX. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626034 | Compliance | Compliance | Active | 2: Acceptable with Warnings | EYNVZJUTS1U-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baseline: Points - Loan Discount Fee. The violation may be cured if documentation is provided showing the disclosure was delivered timely. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626034 | Compliance | Compliance | Active | 2: Acceptable with Warnings | EYNVZJUTS1U-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 2) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase and addition to the following fee(s) was not accepted because a valid reason was not provided:Title-24 Months Chain $XXX.XX, Title-CLTA Fin Stmt Ln Guar with Add $XXX.XX, Title-Document Preparation $XXX.XX and Recording Fee $XXX on CD XX/XX/XXXX.A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626034 | Compliance | Compliance | Active | 2: Acceptable with Warnings | EYNVZJUTS1U-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626037 | Credit | Disclosures | Active | 2: Acceptable with Warnings | PYMWSEL421V-4HBCUSII | App on/after 1/10/2014 HOC Disc not in file | \* Application on/after 2014 and Homeownership Counseling Disc is not in file (Lvl 2) | The loan file is missing the Homeownership counseling List.The statute of limitation has expired. |  |  |  |  | Not Reviewed | Outside of statue of limitations. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626037 | Compliance | Compliance | Active | 3: Curable | PYMWSEL421V-J2R9T18H | ComplianceEase Exceptions Test Failed #2 | \* ComplianceEase Exceptions Test Failed #2 (Lvl 3) | The loan is an HPML. Evidence that a copy of a written appraisal with interior photos and performed by a certified appraiser was provided to the consumer is missing. Per Regulation, a creditor shall provide to the consumer a copy of any written appraisal performed in connection with a HPML. The defect can be resolved by providing evidence that shows the consumer received a copy of the appraisal report. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626037 | Credit | Assets Insufficient | Resolved | Resolved | PYMWSEL421V-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl R) | Total verified assets $99291.49. |  |  |  |  | Validated | Cash required to close is $XX,XXX.XX (EMD $X,XXX already cleared). Total verified assets $99291.49. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626037 | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PYMWSEL421V-7CA29VFR | Init. Escrow Acct Disc missing; loan has escrows | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The loan file is missing IEAD. The statute of limitation has expired. |  |  |  |  | Not Reviewed | Non-Material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626037 | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PYMWSEL421V-U4SHPKU0 | Initial Good Faith Estimate is Missing | \* Initial Good Faith Estimate is Missing (Lvl 2) | The loan file is missing the initial GFE. The statute of limitation has expired. |  |  |  |  | Not Reviewed | Outside of statute of limitations. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626037 | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PYMWSEL421V-J7TGAXRN | Initial Truth in Lending Disclosure is Missing | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitation has expired. |  |  |  |  | Not Reviewed | Outside of statute of limitations. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626037 | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PYMWSEL421V-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) | The loan file did not contain the loan program disclosure; loan was an ARM. |  |  |  |  | Not Reviewed | Outside of statute of limitations. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626037 | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PYMWSEL421V-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | TIL is not executed. The statute of limitation has expired. |  |  |  |  | Not Reviewed | Outside of statute of limitations. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626037 | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PYMWSEL421V-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The loan file is missing the Notice of servicing transfer. The statute of limitation has expired. |  |  |  |  | Not Reviewed | Outside of statute of limitations. Non-Material |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626037 | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PYMWSEL421V-L3H19CW0 | TIL not hand dated | \* TIL not hand dated (Lvl 2) | The TIL is not hand dated. |  |  |  |  | Not Reviewed | non-material |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626038 | Credit | DTI | Active | 3: Curable | DRHBRY5WQ5J-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl 3) | The borrowers debts, specifically the investment property PITIA and the borrowers qualifying bonus income were improperly calculated at origination. As a result the borrowers DTI of 61.8% exceeds the maximum allowed of 55%, per the program matrix. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626038 | Credit | Insurance | Active | 3: Curable | DRHBRY5WQ5J-7V8G8MVK | HOI | \* Hazard Insurance (Lvl 3) | Loan file did not contain documentation confirming subject properties insurable value, therefore required amount of coverage could not be determined. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626038 | Credit | Eligibility | Active | 3: Curable | DRHBRY5WQ5J-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 3) | Per the matrix for loan amounts exceeding $XXX,XXX.XX, with a credit score below 680, the maximum allowed DTI is 55%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626038 | Credit | Credit Worthiness | Active | 3: Curable | DRHBRY5WQ5J-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | The current mortgage on the subject property was in the non-borrowing spouses name solely and not reporting on the borrowers credit report. The loan file did not contain documentation to document the most recent 12 month payment history, as required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626040 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 3B42A3NUZDA-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626041 | Valuation | Property | Active | 3: Curable | XWAJG53OAUA-7QGY2J7Z | Completed "Subject To" w/o Compltn Cert in File | \* Completed "Subject To" w/o Compltn Cert in File (Lvl 3) | Per the lender guidelines, a completion report is not required if appraisal is subject to completion of non-structural items. The appraisal is subject to inspection; IBTS report of the subject property is required due to the missing HUD data plate. The engineer foundation inspection report (pg 413) states foundation does not meet HUD standards, the piers under the home are acceptable and meet HUD standards but the home is not tied down as required. The loan file is missing appraisal update/completion report. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626041 | Credit | Credit | Active | 3: Curable | XWAJG53OAUA-PXITUQYJ | 1003 Application [information not provide] | \* 1003 Application [information not provide] (Lvl 3) | The 1003 states the borrowers have resided at their primary residence (subject property) for 2 years. Per the DRIVE report and appraisal, the borrowers purchased the home in XX/XXXX. The loan file is missing the revised 1003 with the correct length of time at primary residence of 15 months. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626041 | Valuation | Property | Active | 3: Curable | XWAJG53OAUA-FSPW8MVQ | Property Issues indicated | \* Property Issues indicated (Lvl 3) | Engineer foundation inspection report (pg 413) states foundation does not meet HUD standards, the piers under the home are acceptable and meet HUD standards but the home is not tied down as required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626041 | Credit | Guidelines | Active | 3: Curable | XWAJG53OAUA-HTEKL4JF | Asset do not meet guidelines | \* Asset do not meet guidelines (Lvl 3) | XXX savings #XXXX statement dated XX/XX/XXXX - XX/XX/XXXX is not sourced and seasoned for 30 days, is missing pages 2-4, and the source for the large deposit of $XX,XXX.XX. <br> XXX checking #XXXX statement dated XX/XX/XXXX - XX/XX/XXXX is missing pages 2, 4 , and 6. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626041 | Compliance | Compliance | Active | 2: Acceptable with Warnings | XWAJG53OAUA-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 2) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase/addition to the following fees was not accepted because a valid reason was not provided: Title - Escrow Fee $XXX.XX, Title - XXXXXXX XXXXX XXXXXXXXX $XXX.XX XX/XX/XXXX. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumers, PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626041 | Compliance | Compliance | Active | 2: Acceptable with Warnings | XWAJG53OAUA-1E29A8UN | TRID- SPL late | \* TRID- SPL late (Lvl 2) | The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626042 | Credit | Doc Issue | Resolved | Resolved | YOBCMVBUD1U-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy reflects an insured amount of $XXX,XXX.XX, which is less than the loan amount of $XXX,XXX.XX. Please provide updated title. |  |  |  |  | Validated | Title commitment in file reflects coverage of $XXX,XXX (p251) Final Title Policy was not provided. Final loan amount was $XXX,XXX. | Satisfactory final title policy received | N/A | Clear | validated. Title Commitment provided. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626042 | Credit | Eligibility | Active | 3: Curable | YOBCMVBUD1U-GBBTF6MZ | Qual Credit Score does not meet elig. requirements | \* Qualifying Credit Score does not meet eligibility requirement(s) (Lvl 3) | 38 Point Credit Score Exception. Minimum required credit score for a primary purchase transaction with the LTV of 96.5% and the DTI of 56.175% is 640, the lowest median credit score for the 3 borrowers is 602. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626042 | Credit | Credit | Resolved | Resolved | YOBCMVBUD1U-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | Need transfer warranty/Grant deed confirming vesting is in the name of borrower's. |  |  |  |  | Validated | The Warranty Deed transferring the vesting into the name of the borrowers was not provided. The only Warranty Deed in file is dated XXXX and from a prior owner who was not the seller of the subject property (p274). | Satisfactory final title policy received | N/A | Clear | validated. Title Commitment provided. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626043 | Compliance | Compliance | Active | 2: Acceptable with Warnings | WCXKNQAY3YE-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626043 | Credit | Credit | Resolved | Resolved | WCXKNQAY3YE-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | The loan files did not contain income documentation for calculation and assessment. Please provide income documents for review and consideration |  |  |  |  | Unvalidated | Income documents were not provided. No comments for how the finding was resolved. | Calculated DTI is within acceptable parameters. Loan is performing. DTI = 33.18833; LTV = 70; FICO = 679 | N/A | Clear | Unvalidated. <br> Income documentation was not found in a re-review of the loan file and trailing file. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626043 | Compliance | Compliance | Active | 2: Acceptable with Warnings | WCXKNQAY3YE-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626043 | Compliance | Compliance | Active | 2: Acceptable with Warnings | WCXKNQAY3YE-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626043 | Compliance | Compliance | Active | 2: Acceptable with Warnings | WCXKNQAY3YE-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumers, corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626044 | Credit | Credit | Active | 3: Curable | GW0UFKK1ZEN-IAW403JB | Occupancy- Potential Occupancy Misrepresentation | \* Occupancy- Potential Occupancy Misrepresentation (Lvl 3) | Final 1003 - declarations on page 95 show the borrower marked yes to the subject being the primary residence. However, the purchase contract on page 198, states the borrower does not intend to occupy as the primary residence. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626044 | Compliance | Compliance | Active | 2: Acceptable with Warnings | GW0UFKK1ZEN-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The PCCD issued on XX/XX/XXXX is inaccurate. Closing Date does not reflect the correct date when compared to the notary signature date on the Security Instrument. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626045 | Compliance | Compliance | Active | 2: Acceptable with Warnings | V4YP5SMHCS5-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626045 | Compliance | Compliance | Active | 2: Acceptable with Warnings | V4YP5SMHCS5-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 4 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the disclosure 4 business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required.The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626045 | Compliance | Compliance | Active | 2: Acceptable with Warnings | V4YP5SMHCS5-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626046 | Compliance | Compliance | Active | 2: Acceptable with Warnings | HTNJJFDAP15-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626046 | Compliance | Compliance | Active | 2: Acceptable with Warnings | HTNJJFDAP15-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test (12 CFR §1026.19(e)(3)(i)). The increase to the following fees on CD dated XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Title - XXXXXXX XXXXX XXXXXXXXXX. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumers, corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626047 | Credit | Doc Issue | Resolved | Resolved | ARHH2WHC5IZ-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | Missing title insurance of at least $XXX,XXX.XX. |  |  |  |  | Validated | Final Title Policy reflects coverage of $XXX,XXX (p1248). |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626047 | Credit | AUS | Resolved | Resolved | ARHH2WHC5IZ-DL3LKV6A | AUS: File does not contain all AUS Reports run | \* AUS: File does not contain all AUS Reports run (Lvl R) | AUS not required for this program. |  |  |  |  | Validated | Comments indicate issue doesn't impact ability to purchase loan. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626047 | Credit | Guidelines | Active | 3: Curable | ARHH2WHC5IZ-MSMT4EJC | Bankruptcy History does not meet guidelines | \* Bankruptcy History does not meet guidelines (Lvl 3) | Bankruptcy history does not meet guidelines - 24 months seasoning required. The Bankruptcy was terminated XX/XX/XXXX and loan closed XX/XX/XXXX. BK case summary in file page 252 indicates the chapter 7 was filed XX/XX/XXXX, the discharge was denied on XX/XX/XXXX and the BK was "terminated" on XX/XX/XXXX - it was not discharged or dismissed. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626047 | Credit | DTI | Resolved | Resolved | ARHH2WHC5IZ-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl R) | DTI is 35.3/70.8% not 25.58/54.84% due to less income calculated from businesses for self employment and could not use XXXX rental income off 1040s because the XXXX 1040s were in the file and only 1 property claimed rental income in XXXX. |  |  |  |  | Unvalidated | No comments provided as to how the DTI was resolved. There was nothing in the trailing documents related to DTI. | Supporting documentation provided. DTI is within acceptable paramaters | N/A | Clear | Unvalidated<br> No supporting documentation provided to resolve DTI issue. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626047 | Credit | Eligibility | Resolved | Resolved | ARHH2WHC5IZ-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | DTI is 35.3/70.8% not 25.58/54.84% due to less income calculated from businesses for self employment and could not use XXXX rental income off 1040s because the XXXX 1040s were in the file and only 1 property claimed rental income in XXXX. |  |  |  |  | Unvalidated | No comments provided as to how the DTI was resolved. There was nothing in the trailing documents related to DTI. | DTI is within acceptable parameters. Loan is performing. | N/A | Clear | Unvalidated<br> No supporting documentation provided to resolve DTI issue. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626047 | Compliance | Compliance | Resolved | Resolved | ARHH2WHC5IZ-FR16UVJK | QM Points and Fees | \* QM Points and Fees (Lvl R) | This loan has points and fees that exceed the points and fees threshold (12 CFR 1026.43(e)(3)). The loan amount is $XXX,XXX.XX or more, and the transaction's total points and fees is $14,544.00, which exceeds 3 percent of the total loan amount of $XXX,XXX.XX. The following fees were included in the calculation: Mortgage Broker Fee (Indirect) $X,XXX.XX; Points - Loan Discount Fee $X,XXX.XX. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626047 | Compliance | Compliance | Active | 2: Acceptable with Warnings | ARHH2WHC5IZ-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the Collateral Desktop Analysis and increase of the credit report on XX/XX/XXXX and XX/XX/XXXX was not accepted because a valid change of circumstance was not provided. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). \*\*Note-The CDA was $XXX.XX and credit report of $XX.XX less $XX.XX reimbursed at closing leaves a remainder of $XXX.XX. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626047 | Compliance | Compliance | Active | 2: Acceptable with Warnings | ARHH2WHC5IZ-1E29A8UN | TRID- SPL late | \* TRID- SPL late (Lvl 2) | The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626048 | Credit | Eligibility | Active | 3: Curable | E2WKZQXSTNS-GBBTF6MZ | Qual Credit Score does not meet elig. requirements | \* Qualifying Credit Score does not meet eligibility requirement(s) (Lvl 3) | Qualifying credit score 593 does not meet minimum guideline requirements. Minimum FICO score is 640 for a DTI over 55% and LTV over 95%. LTV for property is 96.10% and DTI is 63.25%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626048 | Credit | Credit | Active | 3: Curable | E2WKZQXSTNS-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl 3) | Borrowers received gift funds in the amount of $X,XXX.XX, gift letter was not signed by the donor. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626048 | Credit | DTI | Active | 3: Curable | E2WKZQXSTNS-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl 3) | 63.25% DTI Exceeds the maximum allowed DTI of 60%. Review calculated a lower income for the borrowers than the lender used. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626048 | Credit | Eligibility | Active | 3: Curable | E2WKZQXSTNS-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 3) | 63.25% DTI Exceeds the maximum allowed DTI of 60%. Review calculated a lower income for the borrowers than the lender used. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626050 | Credit | Doc Issue | Resolved | Resolved | XX1LHAZOCBL-FRS27DRA | MI, FHA or MIC missing and required | \* MI, FHA or MIC missing and required (Lvl R) | The MI Cert (LPMI) is missing. A full TILA review could not be performed. The defect can be resolved by providing the MI Cert. |  |  |  |  | Validated | Loan does not have MI . |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626050 | Compliance | Compliance | Resolved | Resolved | XX1LHAZOCBL-FR16UVJK | QM Points and Fees | \* QM Points and Fees (Lvl R) | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1)) The following fees were included in the calculation: Funding, Wire, or Disbursement Fee paid by Borrower: $XXX.XX, Points - Loan Discount Fee paid by Borrower: $XXX.XX, Underwriting Fee paid by Borrower: $XXX.XX.<br> If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626051 | Compliance | Compliance | Active | 2: Acceptable with Warnings | BXBAOKM0RIY-R6NP2JHS | QM Prohibited Features | \* QM Prohibited Features (Lvl 2) | The loan contains prohibited features under the QM rule. The loan contains the following feature: interest-only payments. This is not a curable defect. Loan does not meet QM status. The statute of limitation has expired. |  |  |  |  | Not Reviewed | QM Violation must be cured if cure is available. There is no SOL. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626051 | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | BXBAOKM0RIY-EWNHQ48I | ROR missing critical data (expiration date / fundi | \* ROR missing critical data (expiration date / funding date) (Lvl 2) | The Notice of Right to Cancel is present in file; however, expiration date is incorrect reflecting as XX/XX/XXXX which is prior to the consummation date XX/XX/XXXX. The defect can be resolved by providing the correct expiration date. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626052 | Compliance | Compliance | Active | 2: Acceptable with Warnings | O0GNTHRBR4J-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Repair/Final Inspection on disclosure XX/XX/XXXX was not accepted. Although the change appears to be valid, because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626054 | Credit | Eligibility | Active | 3: Curable | 0XH5DUA4QIO-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 3) | LTV of 98.19% exceeds maximum of 98% permitted per guidelines. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626054 | Compliance | Compliance | Active | 3: Curable | 0XH5DUA4QIO-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626054 | Credit | Eligibility | Active | 3: Curable | 0XH5DUA4QIO-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 3) | LTV of 98.19% exceeds maximum of 98% permitted per guidelines. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626054 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 0XH5DUA4QIO-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 4 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the disclosure 4 business days prior to consummation. If disclosure was delivered electronically, evidence of receipt is required. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626054 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 0XH5DUA4QIO-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the revised LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baseline: Discount Point Fee $1,592.96. The violation may be cured if documentation is provided showing the disclosure was delivered timely. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626055 | Compliance | Compliance | Active | 2: Acceptable with Warnings | GJFI3VPMUAR-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626056 | Credit | Credit | Active | 3: Curable | MAOHL3AFVTB-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | Missing mortgage statement, tax and insurance information for the borrowers investment property located on XXXXXXXXXX XXX. Unable to determine if the taxes and insurance are escrowed. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626056 | Compliance | Compliance | Active | 2: Acceptable with Warnings | MAOHL3AFVTB-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumers, PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626056 | Compliance | Compliance | Active | 2: Acceptable with Warnings | MAOHL3AFVTB-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626057 | Credit | Doc Issue | Active | 3: Curable | YVPEACTS3EE-11COLQ63 | Note is missing or unexecuted | \* Note is missing or unexecuted (Lvl 3) | The co-borrower did not sign the note. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626057 | Credit | Doc Issue | Active | 3: Curable | YVPEACTS3EE-03ELN9DK | Note data is missing or inaccurate | \* Note data is missing or inaccurate (Lvl 3) | The Note was not fully executed by the co-borrower. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626057 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | YVPEACTS3EE-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)). Although evidence was provided showing the consumer received the emailed disclosures, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626057 | Compliance | Compliance | Active | 2: Acceptable with Warnings | YVPEACTS3EE-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626057 | Compliance | Compliance | Active | 2: Acceptable with Warnings | YVPEACTS3EE-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). Although evidence was provided showing the consumer received the disclosure electronically, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626058 | Compliance | Compliance | Resolved | Resolved | ERJGPPQVOHY-A4FROFQC | ComplianceEase Exceptions Test Failed | \* ComplianceEase Exceptions Test Failed (Lvl R) |  |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626058 | Compliance | Compliance | Resolved | Resolved | ERJGPPQVOHY-TRKLWKHN | ComplianceEase Risk Indicator is "Moderate" | \* ComplianceEase Risk Indicator is "Moderate" (Lvl R) |  |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626058 | Compliance | Compliance | Resolved | Resolved | ERJGPPQVOHY-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl R) | Compliance Report ran directly on CE. No TILA issues. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626058 | Compliance | Compliance | Resolved | Resolved | ERJGPPQVOHY-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | Post-Consummation Revised Closing Disclosure Timing Requirements - 01/29/2019 <br> This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v)) The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation". The provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided. <br> Integrated Disclosures Tolerance & Reimbursement Provisions - 02/25/2019 This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)).<br> The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.<br> This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)). The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than 10%.<br> This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.<br> This loan failed the reimbursement date test. (12 CFR §1026.19(f)(2)(v)) The reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626058 | Credit | Doc Issue | Resolved | Resolved | ERJGPPQVOHY-7XL1EDMH | Required Affiliated Business Disclosure missing/un | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl R) | The Service Providers List on page 441 in the loan file reflect that the borrower used Lender's Choice Escrow and XXXXXX XXXXX XXXXX. Both affliates of the Lender were identified on CD XX/XX/XXXX. The affiliated business disclosure is not found in the loan documents. |  |  |  |  | Validated | Finding was acknowledged and downgraded. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626059 | Compliance | Compliance | Resolved | Resolved | TYHGVM5UPRU-A4FROFQC | ComplianceEase Exceptions Test Failed | \* ComplianceEase Exceptions Test Failed (Lvl R) |  |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626059 | Compliance | Compliance | Resolved | Resolved | TYHGVM5UPRU-TRKLWKHN | ComplianceEase Risk Indicator is "Moderate" | \* ComplianceEase Risk Indicator is "Moderate" (Lvl R) |  |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626059 | Compliance | Compliance | Resolved | Resolved | TYHGVM5UPRU-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl R) | TThis loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1)) The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. Resulting in an under disclosed amount of $X,XXX.XX. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626059 | Compliance | Compliance | Resolved | Resolved | TYHGVM5UPRU-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX. Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3) (i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. Reimbursement Amount Test reflects loan date of $XXX.XX whereas the comparison data reflects $X,XXX.XX resulting in an under refund amount of $XXX.XX. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626059 | Credit | Credit | Waived | Waived | TYHGVM5UPRU-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl W) | Per the guidelines, for cash-out proceeds from investment property transactions may not be used to meet required reserves. and all financed properties, other than the subject property, require an additional two 2 months reserves for each additional property. The borrower has 4 financed investment properties resulting in $XX,XXX.XX reserves requirment; however, no assets were verified. |  |  |  |  | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626059 | Credit | Eligibility | Waived | Waived | TYHGVM5UPRU-GBBTF6MZ | Qual Credit Score does not meet elig. requirements | \* Qualifying Credit Score does not meet eligibility requirement(s) (Lvl W) | Per the guideline matrix, for DSCR less than 1.20 with floor of 1.00, the following requirements apply: Min FICO score of 680. The DSCR is 1.093 and the borrowers credit score is 665 which is below the minimum. The loan file is missing an exception. |  |  |  |  | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626060 | Compliance | Compliance | Active | 3: Curable | PPIIOLM21C3-ASBYBXYG | VA Loan Fees Not allowed | \* VA Loan Fees Not allowed (Lvl 3) | This loan failed the loan origination fee test. (VA Pamphlet 26-7, Chapter 8.02, VA State Deviation Chart (XX/XX/XXXX) The loan charges the veteran a loan origination fee and/or unauthorized fees, the total of which exceeds 1% of the loan amount, or 1% of the unpaid principal balance if the loan is an Interest Rate Reduction Refinance Loan (IRRRL). The following fees were included in testing:.Loan Origination Fee paid by Borrower: $X,XXX.XX,Title Examination Fee paid by Borrower: $XXX.XX,Title-CPL Fee paid by Borrower: $XX.XX The loan exceeds the 1% origination threshold by $XX.XX. The defect may be cured by reimbursing the consumer. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626060 | Compliance | Compliance | Active | 2: Acceptable with Warnings | PPIIOLM21C3-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 2) | This loan failed the post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX.The PCCD was provided to correct the following item(s): Discount point fee $4164.79.Per TRID regulation, corrected disclosures must be issued no later than 60 days after consummation. Defect has no cure. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626060 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | PPIIOLM21C3-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 4 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the disclosure 4 business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626060 | Compliance | Compliance | Active | 2: Acceptable with Warnings | PPIIOLM21C3-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | There is no clear evidence of an initial application date in the file. The earliest 1003 in the file was prepared XX/XX/XXXX; however, the file contains documents dated prior to this date. Auditor is unable to determine the true initial application date and therefore, can't determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Homeownership Counseling Disclosure. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626060 | Compliance | Compliance | Active | 2: Acceptable with Warnings | PPIIOLM21C3-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the Revised LE date test and Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX and XX/XX/XXXX did not reset the baseline: Discount Point Fee and Loan Origination Fee. The violation may be cured if documentation is provided showing the disclosure was delivered timely. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626060 | Compliance | Compliance | Active | 2: Acceptable with Warnings | PPIIOLM21C3-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626061 | Compliance | Compliance | Active | 2: Acceptable with Warnings | YM1JRZ130YK-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) and the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626061 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | YM1JRZ130YK-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626061 | Compliance | Compliance | Active | 2: Acceptable with Warnings | YM1JRZ130YK-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626061 | Compliance | Compliance | Active | 2: Acceptable with Warnings | YM1JRZ130YK-YF1S1X5R | TRID- Initial LE timing fail | \* TRID- Initial LE timing fail (Lvl 2) | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626061 | Compliance | Compliance | Active | 2: Acceptable with Warnings | YM1JRZ130YK-1E29A8UN | TRID- SPL late | \* TRID- SPL late (Lvl 2) | The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626062 | Credit | Guidelines | Active | 3: Curable | EHIH3JNA51F-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 3) | The VA IRRRL transaction indicates. For an IRRRL that results in a lower monthly principal and interest (P&I) payment, the recoupment period of fees, closing costs, and expenses (other than taxes, amounts held in escrow, and fees paid under chapter 37), incurred by the Veteran, must not exceed 36 months from the date of the loan closing. The recoupment for the subject transaction is 62.21 months. <br>The VA IRRRL transaction requires the due date of the first monthly payment of the loan being refinanced must be 210 days or more prior to the closing date of the refinance loan. The first payment of the loan being refinanced is XX/XX/XXXX, the subject closed XX/XX/XXXX, which is a seasoning of 137 days. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626063 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | FJYKXAGJ5J0-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The CD issued on XX/XX/XXXX is inaccurate. The Title - E-Recording fee does not reflect the correct payee. Per regulation, the name of the person/company ultimately receiving payment for service should be listed. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626063 | Credit | Credit | Active | 2: Acceptable with Warnings | FJYKXAGJ5J0-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl 2) | The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB finding |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626065 | Credit | AUS | Resolved | Resolved | UB1ZWCQ12WV-DL3LKV6A | AUS: File does not contain all AUS Reports run | \* AUS: File does not contain all AUS Reports run (Lvl R) | As per the guidelines, no need to require AUS in the file. |  |  |  |  | Validated | AUS was not required. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626065 | Compliance | Compliance | Active | 2: Acceptable with Warnings | UB1ZWCQ12WV-95NA4ABR | TRID - SPL missing | \* TRID - SPL missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626066 | Credit | Credit | Active | 3: Curable | U4N4RAAZZRO-GQTT58C6 | Pre-disclosed Exception | \* Pre-disclosed Exception (Lvl 3) | Mortgage/Program Eligibility - Property Condition: C5 Subject was final approved by the Underwriter as C5 with a LP cert but not acceptable in "as is" condition. The appraiser comments indicate repairs that needed to be made. Per photos there is notable damage to ceilings in several rooms and unfinished construction in exterior wall. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626066 | Valuation | Property | Active | 3: Curable | U4N4RAAZZRO-FSPW8MVQ | Property Issues indicated | \* Property Issues indicated (Lvl 3) | Mortgage/Program Eligibility - Property Condition: C5 Subject was final approved by the Underwriter as C5 with a LP cert but not acceptable in "as is" condition. The appraiser comments indicate repairs that needed to be made. Per photos there is notable damage to ceilings in several rooms and unfinished construction in exterior wall. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626066 | Compliance | Compliance | Active | 2: Acceptable with Warnings | U4N4RAAZZRO-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed the Lender Credits that Cannot Decrease Test. Truth in Lending Act (Regulation Z)12 CFR 2016.19(e)(3)(i) & Official Comment 19(e)(3)(i)-5, -6; 12 CFR 1026.19(e)(3)(iv). Although the decrease may be valid, because a COC was not provided, auditor is unable to determine if the revised CD issued on XX/XX/XXXX was disclosed within 3 business days of the decrease to lender credits. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A PCCD was issued on XX/XX/XXXX however, did not include a refund for the decrease. A cost to cure in the amount of $XXX.XX is required. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626067 | Compliance | Compliance | Active | 2: Acceptable with Warnings | XSJBEP4TAOV-9OXCMDS1 | Compliance Exception | \* Pre-disclosed Exception (Lvl 2) | An audit credit report and Accurint public record search confirmed the client had a $XXX,XXX.XX state tax lien filed on XX/XX/XXXX and prior to the loan closing on XX/XX/XXXX that remains outstanding. The credit report was pulled on XX/XX/XXXX and prior to the filing of tax lien on XX/XX/XXXX.<br>Disagree. Loan file contains no evidence of said Tax Lien |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626068 | Compliance | Compliance | Active | 2: Acceptable with Warnings | AAOZEKOSRNM-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to discount points on XX/XX/XXXX was not accepted because a valid reason was not provided. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason. If curing with a reimbursment, the following documents are required: LOE to consumer, PCCD, copy of refund, a proof of delivery (mailing label). |  |  | XXXX XXXXXXXX (XXX XXXX XXXXXXXXX XXXXX) XX/XX/XXXX 10:50:00 AM: Issue doesn't have any ROR or Assignee Liability impact to XXXX so OK to purchase. | XXXX XXXXXXXX (XXX XXXX XXXXXXXXX XXXXX) XX/XX/XXXX 10:50:00 AM: Issue doesn't have any ROR or Assignee Liability impact to XXXX so OK to purchase. | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626068 | Credit | DTI | Active | 2: Acceptable with Warnings | AAOZEKOSRNM-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl 2) | Loan was approved with a DTI of 56.74% per the AUS in file. The Actual DTI was over 60% and exceeds guidelines. The borrower stated on the 1003 that she lived rent free at XXX X XXXXX XXXXXX, and that the subject, XXXX XXXXXXXXXX XX. was a rental property. Within the loan file is a lease agreement showing the borrowers name on the XXX X XXXXX XXXXXX as a lessee, validating she is responsible for the rental obligation for her primary residence. This payment of $X,XXX.XX for her primary housing pushes the DTI to 67.8% which exceeds the AUS approval DTI of 56.74% |  |  |  |  | Not Reviewed | No comments provided to detail this finding being downgraded. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626068 | Credit | Credit | Active | 2: Acceptable with Warnings | AAOZEKOSRNM-GQTT58C6 | Pre-disclosed Exception | \* Pre-disclosed Exception (Lvl 2) | DTI is above maximum guidelines. The client used proposed rental income under the Conversion of a Primary to Investment Property guidelines; however, the client's Power of Attorney informed QL that the client had not occupied the property for years and was renting an apartment, making the proposed rental income unacceptable. In addition, after including rent in the client's monthly debt obligations, the DTI increased to 100%.<br> Agree - The borrower stated on the 1003 that she lived rent free at XXX X XXXXX XXXXXX, and that the subject, XXXX XXXXXXXXXX XX. was a rental property. Within the loan file is a lease agreement showing the borrowers name on the XXX X XXXXX XXXXXX as a lessee, validating she is responsible for the rental obligation for her primary residence. This payment of $X,XXX.XX for her primary housing pushes the DTI to 67.8% which exceeds the AUS approval DTI of 56.74% |  |  |  |  | Not Reviewed | Comments indicate agree and was downgraded as non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626069 | Compliance | Compliance | Resolved | Resolved | 052Q25M1IJL-A4FROFQC | ComplianceEase Exceptions Test Failed | \* ComplianceEase Exceptions Test Failed (Lvl R) |  |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626069 | Compliance | Compliance | Resolved | Resolved | 052Q25M1IJL-TRKLWKHN | ComplianceEase Risk Indicator is "Moderate" | \* ComplianceEase Risk Indicator is "Moderate" (Lvl R) |  |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626069 | Compliance | Compliance | Resolved | Resolved | 052Q25M1IJL-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX.XX) exceed the<br> comparable charges ($XXX.XX) by more than 10%. There is no valid COC found in the loan documents, a valid COC for increase in fees is needed to clear finding. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626069 | Credit | Eligibility | Active | 2: Acceptable with Warnings | 052Q25M1IJL-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 2) | The Origination Underwriter omitted a XX XXXX Auto loan of $XX,XXX.XX with a payment of $XXX per month. The loan file does not contain any evidence the loan was paid off or removed from the Borrowers name; therefore, the DTI increased at application from 40.90% to 56.4% exceeding guidelines. |  |  | XXXX XXXXXXXX (XXX XXXX XXXXXXXXX XXXXX) XX/XX/XXXX 10:56:41 AM: Issue doesn't impact XXXXX ability to purchase this loan as the stated defect was around a DTI bust. | XXXX XXXXXXXX (XXX XXXX XXXXXXXXX XXXXX) XX/XX/XXXX 10:56:41 AM: Issue doesn't impact XXXXX ability to purchase this loan as the stated defect was around a DTI bust. | Not Reviewed | Downgraded as non-material per comments. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626069 | Credit | Credit | Active | 2: Acceptable with Warnings | 052Q25M1IJL-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl 2) | The Origination Underwriter omitted a XX XXXX Auto loan of $XX,XXX.XX with a payment of $XXX per month. The loan file does not contain any evidence the loan was paid off or removed from the Borrowers name; therefore, the DTI increased at application from 40.90% to 56.4% exceeding guidelines. |  |  | XXXX XXXXXXXX (XXX XXXX XXXXXXXXX XXXXX) XX/XX/XXXX 10:56:41 AM: Issue doesn't impact XXXXX ability to purchase this loan as the stated defect was around a DTI bust. | XXXX XXXXXXXX (XXX XXXX XXXXXXXXX XXXXX) XX/XX/XXXX 10:56:41 AM: Issue doesn't impact XXXXX ability to purchase this loan as the stated defect was around a DTI bust. | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626069 | Compliance | Compliance | Resolved | Resolved | 052Q25M1IJL-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | The initial and/or any revised CDs are missing from the file. As a result the following reviews could not be performed: TILA Accuracy, QM Testing, Federal and State Testing, tolerance violation review, and final Closing Disclosure accuracy. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626069 | Credit | Income | Active | 2: Acceptable with Warnings | 052Q25M1IJL-7ZU2HIM5 | Missing sufficient employment documentation (ATR) | \* Missing sufficient employment documentation (ATR) (Lvl 2) | Stated Defect: DTI exceeds max guidelines. We received a VOE post close revealing the client was not employed through closing. Client Relations has been following up but the client has not obtained new employment nor do they have any current offers.<br>Agree: The loan file contains a post closing VVOE dated XX/XX/XXXX (Note date was XX/XX/XXXX) documenting the Borrower was no longer employed with the qualifying employer as of XX/XX/XXXX. It should be noted that on XX/XX/XXXX the employer verified the borrowers current employment, which was also post closing. |  |  |  |  | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626069 | Credit | Credit | Active | 2: Acceptable with Warnings | 052Q25M1IJL-GQTT58C6 | Pre-disclosed Exception | \* Pre-disclosed Exception (Lvl 2) | Stated Defect: DTI exceeds max guidelines. We received a VOE post close revealing the client was not employed through closing. Client Relations has been following up but the client has not obtained new employment nor do they have any current offers.<br>Agree: The loan file contains a post closing VVOE dated XX/XX/XXXX (Note date was XX/XX/XXXX) documenting the Borrower was no longer employed with the qualifying employer as of XX/XX/XXXX. It should be noted that on XX/XX/XXXX the employer verified the borrowers current employment, which was also post closing. |  |  |  |  | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626069 | Credit | Credit | Active | 2: Acceptable with Warnings | 052Q25M1IJL-P293MAUY | Unable to verify all credit obligations (ATR) | \* Unable to verify all credit obligations (ATR) (Lvl 2) | The Origination Underwriter omitted a XX XXXX Auto loan of $XX,XXX.XX with a payment of $XXX.XX per month. The loan file does not contain any evidence the loan was paid off or removed from the Borrowers name; therefore, the DTI increased at application from 40.90% to 56.4% exceeding guidelines. |  |  | XXXX XXXXXXXX (XXX XXXX XXXXXXXXX XXXXX) XX/XX/XXXX 10:56:41 AM: Issue doesn't impact XXXXX ability to purchase this loan as the stated defect was around a DTI bust. | XXXX XXXXXXXX (XXX XXXX XXXXXXXXX XXXXX) XX/XX/XXXX 10:56:41 AM: Issue doesn't impact XXXXX ability to purchase this loan as the stated defect was around a DTI bust. | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626070 | Compliance | Compliance | Resolved | Resolved | VYTR5SEVHDI-A4FROFQC | ComplianceEase Exceptions Test Failed | \* ComplianceEase Exceptions Test Failed (Lvl R) |  |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626070 | Compliance | Compliance | Resolved | Resolved | VYTR5SEVHDI-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX.XX) exceed the<br> comparable charges ($XXX.XX) by more than 10%. There is no valid COC for the increase in fees, a valid COC is needed to clear finding. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626070 | Credit | Eligibility | Active | 2: Acceptable with Warnings | VYTR5SEVHDI-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 2) | Stated Defect: Client is no longer employed. Closing Underwriting confirmed the client lost their job post closing. The client is self employed, however we are unable to use this income because he lacks self employment job history.<br>Agree: The VVOE dated XX/XX/XXXX on page 542 indicates the borrower was terminated from the qualifying employer XX/XX/XXXX. The loan closed XX/XX/XXXX. |  |  |  |  | Not Reviewed | Downgraded due to non-material. Comments indicate "agree". |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626070 | Credit | Credit | Active | 2: Acceptable with Warnings | VYTR5SEVHDI-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl 2) | Stated Defect: Client is no longer employed. Closing Underwriting confirmed the client lost their job post closing. The client is self employed, however we are unable to use this income because he lacks self employment job history.<br>Agree: The VVOE dated XX/XX/XXXX on page 542 indicates the borrower was terminated from the qualifying employer XX/XX/XXXX. The loan closed XX/XX/XXXX. |  |  |  |  | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626070 | Credit | Income | Resolved | Resolved | VYTR5SEVHDI-SA3HBHSH | Employment / Income | \* Employment History Does Not Meet Guides (Lvl R) | Loan closed XX/XX/XXXX, and Client is no longer employed as of XX/XX/XXXX, per VVOE dated XX/XX/XXXX. Closing Underwriting confirmed the client lost their job post-closing. The client is self-employed; however, we are unable to use this income because he lacks self-employment job history. |  |  |  |  | Validated | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626070 | Credit | Eligibility/Fraud | Resolved | Resolved | VYTR5SEVHDI-3E43X3G3 | Fraud Report Missing | \* Missing Fraud Report (Lvl R) | Loan file is missing clear CAIVRS |  |  | 2/4/2020- Cleared. Acceptable CAIVR # provided. | 2/4/2020- Cleared. Acceptable CAIVR # provided. | Validated | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626070 | Compliance | Compliance | Resolved | Resolved | VYTR5SEVHDI-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | The initial and/or any revised CDs are missing from the file. As a result the following reviews could not be performed: TILA Accuracy, QM Testing, Federal and State Testing, tolerance violation review, and final Closing Disclosure accuracy. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626070 | Credit | Credit | Active | 2: Acceptable with Warnings | VYTR5SEVHDI-GQTT58C6 | Pre-disclosed Exception | \* Pre-disclosed Exception (Lvl 2) | Stated Defect: Client is no longer employed. Closing Underwriting confirmed the client lost their job post closing. The client is self employed, however we are unable to use this income because he lacks self employment job history.<br>Agree: The VVOE dated XX/XX/XXXX on page 542 indicates the borrower was terminated from the qualifying employer XX/XX/XXXX. The loan closed XX/XX/XXXX. |  |  |  |  | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626071 | Credit | Credit | Waived | Waived | 0EOD550GQQZ-0BLBZVJN | Credit | \* Missing Documentation (Lvl W) | The subject property is located in a rural area on XX acres. The guidelines require a Field Review to be performed, which was not contained in the loan file. |  |  | XXXX XXXXXXXX (XXX XXXX XXXXXXXXX XXXXX) XX/XX/XXXX 12:40:42 PM: Issue doesn't impact XXXX's ability to purchase this loan. | XXXX XXXXXXXX (XXX XXXX XXXXXXXXX XXXXX) XX/XX/XXXX 12:40:42 PM: Issue doesn't impact XXXX's ability to purchase this loan. | Not Reviewed | Comments indicate issue doesn't impact ability to purchase loan. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626071 | Credit | Eligibility | Waived | Waived | 0EOD550GQQZ-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl W) | The Appraisal reflects the subject property is rural and includes XX acres with a CLTV of 80%. The maximum CTV for rural properties is 75% per guidelines; therefore, the subject loan is an ineligible transaction. |  |  | XXXX XXXXXXXX (XXX XXXX XXXXXXXXX XXXXX) XX/XX/XXXX 12:40:42 PM: Issue doesn't impact XXXX's ability to purchase this loan. | XXXX XXXXXXXX (XXX XXXX XXXXXXXXX XXXXX) XX/XX/XXXX 12:40:42 PM: Issue doesn't impact XXXX's ability to purchase this loan. | Not Reviewed | Comments indicate issue doesn't impact ability to purchase loan. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626071 | Credit | Eligibility | Waived | Waived | 0EOD550GQQZ-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl W) | The Appraisal reflects the subject property is rural and includes XX acres with a LTV of 80 The maximum LTV for rural properties is 75% per guidelines; therefore, the subject loan is an ineligible transaction. |  |  | XXXX XXXXXXXX (XXX XXXX XXXXXXXXX XXXXX) XX/XX/XXXX 12:40:42 PM: Issue doesn't impact XXXX's ability to purchase this loan. | XXXX XXXXXXXX (XXX XXXX XXXXXXXXX XXXXX) XX/XX/XXXX 12:40:42 PM: Issue doesn't impact XXXX's ability to purchase this loan. | Not Reviewed | Comments indicate issue doesn't impact ability to purchase loan. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626071 | Credit | Credit | Active | 2: Acceptable with Warnings | 0EOD550GQQZ-GQTT58C6 | Pre-disclosed Exception | \* Pre-disclosed Exception (Lvl 2) | Client opened three debts prior to close that result in the DTI increasing to at least 70%. Client opened a $XX,XXX.XX XXXXXXX loan in XX/XXXX prior to close on XX/XX/XXXX with a monthly payment of $X,XXX.XX. The client opened two other debts whose payments were unable to be verified by a post close credit report due to being in collections. Those debts were a $XX,XXX.XX loan with XXXXXXX XXXX opened in XX/XXXX and a $XXX.XX XXXXXXXX XXXXXXXXXX revolving debt opened in XX/XXXX. DTI increases to 70% when only factoring in the XXXXXXXXX debt.<br>Disagree - the loan file did not contain the Audit Credit Report to determine if additional debts were opened prior to closing. |  |  |  |  | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626071 | Valuation | Property | Active | 2: Acceptable with Warnings | 0EOD550GQQZ-89IBQTRM | Property zoned rural and contains more than 10 acr | \* Property zoned rural and contains more than 10 acres (Lvl 2) | The Appraisal reflects the subject property is XX acres with a home of over XXXX square feet living area in Alabama. |  |  |  |  | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626072 | Credit | Credit | Active | 2: Acceptable with Warnings | FCLGTGZYQSK-GQTT58C6 | Pre-disclosed Exception | \* Pre-disclosed Exception (Lvl 2) | Client opened a $XX,XXX.XX auto loan with XXX XXXXXX X XXXXXX on XX/XX/XXXX which was prior to closing on XX/XX/XXXX. The monthly payment of $XXX.XX increases the DTI to 57% making the loan ineligible. Disagree. Loan file does not contain any documentation to support a new debt opened prior to closing. |  |  |  |  | Not Reviewed | No comments provided to address the condition being downgraded. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626073 | Credit | Underwriting | Active | 3: Curable | ERH0Q0PA2H2-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 3) | The 1008 is missing from the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626073 | Credit | Guidelines | Active | 3: Curable | 12658409-HTEKL4JF | Asset do not meet guidelines | \* Asset do not meet guidelines (Lvl 3) | Assets: Assets to be used for funds to close (down payment, closing costs, etc.)must be seasoned for 30 days. No XXXXXXXX or XX banks statements found to support receipt of gift funds and origin of Earnest money deposits |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626073 | Credit | Credit | Active | 3: Curable | 12658409-IAW403JB | Occupancy- Potential Occupancy Misrepresentation | \* Occupancy- Potential Occupancy Misrepresentation (Lvl 3) | Borrower is purchasing a primary residence in Georgia. Documentation in file shows borrower residing in both Georgia and Canada based off of income documentation in file. IRS shows no transcripts for borrower for XXXX, XXXX or XXXX. Does not appear that subject property will be borrower's primary residence based off of documentation in loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626073 | Credit | Guidelines | Active | 3: Curable | 12658409-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl 3) | Borrower received Canadian Pension. Missing foreign currency conversion documentation in loan file to verify US Dollar equivalency. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626073 | Credit | Credit | Resolved | Resolved | ERH0Q0PA2H2-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file is missing the CAIVRS #. |  |  |  |  | Validated | FHA Connection provided on p2 of Trailing documents. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626073 | Credit | Doc Issue | Resolved | Resolved | ERH0Q0PA2H2-FRS27DRA | MI, FHA or MIC missing and required | \* MI, FHA or MIC missing and required (Lvl R) | The loan file is missing the FHA Certification. |  |  |  |  | Validated | NO comments as to how the exception for missing the FHA Certification were provided. Page of Trailing docs folder stated loan is uninsurable by FHA and will revert to a conventional loan. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626074 | Credit | Eligibility | Active | 3: Curable | CLB5PSZP31G-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 3) | The credit report from origination does not reflect any auto loans; however, does have an inquiry with XX XXXXXXXXXX on XX/XX/XXXX (p.185). The loan file contains an LOX for the inquiries; however, it is not completed or signed (p.188). The borrowers XXXXX XXXX statement XX/XX/XXXX-XX/XX/XXXX (p.203) reflects a payment on XX/XX/XXXX to XX XXXXXX in the amount of $XXX.XX. The loan file contains evidence confirming the undisclosed debt and the DTI increased to 60.1%. | Credit Score - Credit Score - Borrower credit score is 736 with no lates and meets all requirements, Minimum credit score for this product is 640 Reserves - Reserves - borrower has 70 months liquid cash reserves - LTV for file is 20.06 - borrower down payment is $XXX,XXX.XX Housing Expense - Housing Expense - Payment is 16.16% lower than previous rental payment, current payment is XXX less per month than previous rental payment. |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626074 | Credit | DTI | Active | 3: Curable | CLB5PSZP31G-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl 3) | The credit report from origination does not reflect any auto loans; however, does have an inquiry with XX XXXXXXXXXX on XX/XX/XXXX (p.185). The loan file contains an LOX for the inquiries; however, it is not completed or signed (p.188). The borrowers XXXXX XXXX statement XX/XX/XXXX-XX/XX/XXXX (p.203) reflects a payment on XX/XX/XXXX to XX XXXXXX in the amount of $XXX.XX. The loan file contains evidence confirming the undisclosed debt and the DTI increased to 60.1%. | Credit Score - Credit Score - Borrower credit score is 736 with no lates and meets all requirements, Minimum credit score for this product is 640 Reserves - Reserves - borrower has 70 months liquid cash reserves - LTV for file is 20.06 - borrower down payment is $XXX,XXX.XX Housing Expense - Housing Expense - Payment is 16.16% lower than previous rental payment, current payment is XXX less per month than previous rental payment. |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626075 | Credit | Credit | Active | 3: Curable | 64810325-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | The documentation to support the monthly income of $X,XXX.XX noted as VA disability is missing, also mortgage statement in file for property XXXX XXXX XX is dated XX/XX/XXXX reflects loan being past due payment due date XX/XX/XXXX. Missing updated current mortgage statement reflecting property is current. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626075 | Compliance | Compliance | Active | 3: Curable | ZF4UWB3TJWG-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Application Fee of $X,XXX.XX and Tax Service Fee $XX.XX. The defect can be cured by reimbursing the consumer or providing a valid reason for the changes. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $X,XXX.XX is required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626076 | Credit | Credit | Active | 3: Curable | 5WWTFKDTACM-HZ5671LK | Missing Doc | \* Missing Doc (Lvl 3) | Missing the case number assignment |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626076 | Credit | Doc Issue | Active | 3: Curable | 5WWTFKDTACM-OPN6CQBU | Application Missing | \* Application Missing (Lvl 3) | The final loan application is missing |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626076 | Credit | Credit | Active | 3: Curable | 5WWTFKDTACM-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | Missing the original note |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626076 | Compliance | Compliance | Active | 3: Curable | 5WWTFKDTACM-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee was not accepted because a valid reason was not provided: Recording Fee $118.00 (CD dated XX/XX/XXXX & XX/XX/XXXX). A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer, PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626082 | Compliance | Compliance | Active | 2: Acceptable with Warnings | NTSHOCSCAUJ-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626086 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | QZEXKKQDCAF-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626088 | Compliance | Compliance | Resolved | Resolved | 3UDV3ADMMEV-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl R) | The loan is an HPML. Evidence that a copy of a written appraisal with interior photos and performed by a certified appraiser was provided to the consumer is missing. Per Regulation, a creditor shall provide to the consumer a copy of any written appraisal performed in connection with a HPML. The defect can be resolved by providing evidence that shows the consumer received a copy of the appraisal report. |  | Appraisal receipt provided | 10/9/20 Cleared | 10/9/20 Cleared | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626088 | Credit | Credit | Waived | Waived | 3UDV3ADMMEV-0BLBZVJN | Credit | \* Missing Documentation (Lvl W) | DU requires the borrower to complete a homeownership education program and the loan file does not contain evidence this was done. |  |  | 10/2/2020: Cleared by client. "irrelevant" per XXXXX XXX (XXX XXXX XXXXXXXX XXXXX). | 10/2/2020: Cleared by client. "irrelevant" per XXXXX XXX (XXX XXXX XXXXXXXX XXXXX). | Not Reviewed | AUS was not required. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626088 | Credit | Credit | Waived | Waived | 3UDV3ADMMEV-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl W) | The following errors were found on the final application: 1. The application states the borrower owns her current residence on page one; however, on page two, her present housing is listed as rent and there is no REO listed and the declarations state no ownership in the last three years, 2. The Demographic Information Addendum (p.124) does not have completed the section for how the application was taken. |  |  | 10/2/2020: Cleared by client. "irrelevant" per XXXXX XXX (XXX XXXX XXXXXXXX XXXXX). | 10/2/2020: Cleared by client. "irrelevant" per XXXXX XXX (XXX XXXX XXXXXXXX XXXXX). | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626088 | Credit | Credit | Waived | Waived | 3UDV3ADMMEV-KVP6W6Y2 | Ineligible Borrower | \* Ineligible Borrower (Lvl W) | The DU Approval reflects the subject is approved as an HFA Preferred loan and requires the maximum allowable income for the area which the property is located. FNMA Area Median Income Lookup Tool reflects 80% of the AMI as $XX,XXX.XX for XXXXXXXXX Income limit. The borrower's qualifying income is $XX,XXX.XX/year which exceeds the maximum limit for the program. |  |  | 10/2/2020: Cleared by client. "irrelevant" per XXXXX XXX (XXX XXXX XXXXXXXX XXXXX). | 10/2/2020: Cleared by client. "irrelevant" per XXXXX XXX (XXX XXXX XXXXXXXX XXXXX). | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626088 | Credit | Credit | Waived | Waived | 3UDV3ADMMEV-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl W) | The borrower verified only $X,XXX.XX of the $X,XXX.XX EMD. The borrower needed a total of $X,XXX.XX for EMD and closing ($X,XXX.XX + $X,XXX.XX). The borrower verified $X,XXX.XX EMD and has remaining funds of $X,XXX.XX for total verified of $X,XXX.XX. The borrower is short verified assets of $XXX.XX. Provide verification of the additional EMD funds of $X,XXX.XX for sufficient funds. |  |  | 10/2/2020: Cleared by client. "irrelevant" per XXXXX XXX (XXX XXXX XXXXXXXX XXXXX). | 10/2/2020: Cleared by client. "irrelevant" per XXXXX XXX (XXX XXXX XXXXXXXX XXXXX). | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626088 | Compliance | Compliance | Waived | Waived | 3UDV3ADMMEV-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl W) | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX when compared to the 1st page of the CD. The loan has monthly MI $XXX.XX and taxes and insurance $XXX.XX. Therefore, the escrow table should reflect $X,XXX.XX under "Escrowed Property Costs over Year 1" and $XXX.XX under Monthly Escrow Payment. |  |  | 10/2/2020: Cleared by client. "irrelevant" per XXXXX XXX (XXX XXXX XXXXXXXX XXXXX). | 10/2/2020: Cleared by client. "irrelevant" per XXXXX XXX (XXX XXXX XXXXXXXX XXXXX). | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626088 | Credit | Credit | Waived | Waived | 3UDV3ADMMEV-GQTT58C6 | Pre-disclosed Exception | \* Pre-disclosed Exception (Lvl W) | Stated Defect: Credit. Agree |  |  | 10/2/2020: Cleared by client XXXXX XXX (XXX XXXX XXXXXXXX XXXXX). | 10/2/2020: Cleared by client XXXXX XXX (XXX XXXX XXXXXXXX XXXXX). | Not Reviewed | Waived by client |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626089 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 0RUSGAAUNV0-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 2) | This loan failed the revised Closing Disclosure delivery date test (no waiting period required):(12 CFR §1026.19(f)(2)(i)) The Closing Disclosure was received by the borrower at the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated XX/XX/XXXX; consummation took place on XX/XX/XXXX. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626092 | Compliance | Disclosures | Active | 3: Curable | PDFHYGQK2ZG-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626092 | Compliance | Compliance | Active | 3: Curable | PDFHYGQK2ZG-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The transaction funded prior to consummation. Per the CD issued XX/XX/XXXX, the transaction funded on XX/XX/XXXX; however, consummation took place on XX/XX/XXXX. The defect can be resolved by providing the true funding date. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626092 | Compliance | Compliance | Active | 3: Curable | PDFHYGQK2ZG-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee(s) on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626095 | Credit | Credit Worthiness | Active | 3: Curable | 3FVPIT3WU2X-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | Lender guidelines state if a borrower's mortgage history or rental history is not reported on the credit report, alternative documentation showing the most recent 12-month history must be provided. The credit report shows the XXXXXXXX XXXX XXXXXXXX opened XX/XXXX reviewed for 5 months thru XX/XXXX. The only prior mortgage reported is from XX/XXXX-XX/XXXX. Credit supplement (p.104) shows reviewed for six months. Per the loan application, the borrower previously rented for two years. The loan file is missing the prior rental payment verification to meet the 12 month housing history requirement. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626096 | Credit | DTI | Active | 3: Curable | CZKWOHBYMWK-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl 3) | Rental Income is not supported. The loan application reflects two rental properties that are both listed with no mortgages; although the mortgage interest is reported on the Schedule E for both properties. The properties are listed on the borrower's personal tax returns schedule E and there is no Schedule E showing the borrowers own any other businesses; however, monthly checks were provided showing the two property mortgages are paid by XXX XXXXXX XXXX XXXX XXXXXX XXX to support the omission. As the borrower reports the rental income and uses the mortgage interest for both properties, and there is no information about the XXX that pays the mortgages, the mortgage payments must be included. When using the XXXX tax returns Schedule E to calculate the rental income, there is a total net loss of $X,XXX.XX. This results in a DTI of 70.2% which exceeds the 3% tolerance and DU max of 50%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626096 | Credit | Eligibility | Active | 3: Curable | CZKWOHBYMWK-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 3) | Rental Income is not supported. The loan application reflects two rental properties that are both listed with no mortgages; although the mortgage interest is reported on the Schedule E for both properties. The properties are listed on the borrower's personal tax returns schedule E and there is no Schedule E showing the borrowers own any other businesses; however, monthly checks were provided showing the two property mortgages are paid by XXX XXXXXX XXXX XXXX XXXXXX XXX to support the omission. As the borrower reports the rental income and uses the mortgage interest for both properties, and there is no information about the XXX that pays the mortgages, the mortgage payments must be included. When using the XXXX tax returns Schedule E to calculate the rental income, there is a total net loss of $X,XXX.XX. This results in a DTI of 70.2% which exceeds the 3% tolerance and DU max of 50%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626097 | Valuation | ValuationWaterfall | Active | 3: Curable | 56846397-P672VUEJ | Full appraisal required. Form Type | \* Full appraisal required. Form Type (Lvl 3) | Missing full 1004 appraisal as required per guidelines, only a 2055 exterior inspection provided. DU AUS in the file required a full interior/exterior 1004 appraisal. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626097 | Credit | Credit Worthiness | Resolved | Resolved | 56846397-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | Guidelines do not require mortgage or rental history (guideline page 29, Mortgage or Rental History section). |  |  |  |  | Validated | Confirmed GL do not require housing history |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626097 | Valuation | Value | Resolved | Resolved | 56846397-BG9BY1ON | Property listed for sale in past 12 months | \* Property listed for sale in past 12 months (Lvl R) | Guidelines do not specifically address this issue however properties that are currently listed for sale are eligible for refinance (guideline pages 67-68, Properties Listed for Sale). |  |  |  |  | Validated | Confirmed GL allow refinance on properties listed for sale. The Appraisal shows property was last listed and sold in the past 12 months, which is when borrowers purchased the property. It does not appear the property was currently listed for sale. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626098 | Credit | Credit | Active | 3: Curable | 29857118-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | Missing the following mortgage statements : XXX XXXXXXXX, XXX XXXXXXXX, XXX XXX, XXX XXXXXXXX & also for primary residence XXX XXXXXXXX XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626099 | Valuation | Data Edit | Resolved | Resolved | 674960-AWFXXFZR | Amortized remaining term > stated orig. term / not | \* Amortized remaining term > stated orig. term / not balloon (Lvl R) | Amortization remaining term is greater than the stated original term and loan is not balloon. |  |  |  |  | Validated | Note confirmed 10 year interest only with 30 year loan term. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626100 | Compliance | Compliance | Active | 3: Curable | IV1Z0V4EVIV-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: VA Funding Fee. In addition, the increase to the Points on disclosure XX/XX/XXXX was not accepted. Although the change to the points appears to be valid, because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A total cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer, by providing a date for the change in points, and/or by providing a valid reason for the change to the funding fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626100 | Credit | Eligibility | Resolved | Resolved | IV1Z0V4EVIV-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl R) | LTV of 91.39% exceeds maximum LTV of 90%. | 774 representative Credit score exceeds the minimum required credit score of 620 by 154 points.<br> DTI is 40.4% below the maximum DTI of 60%.<br> 15.59 Months reserves exceed the minimum 2 months required by 13.59 months. |  |  |  | validated | No comments provided for how this condition was resolved. | Compensating factors | 774 representative Credit score exceeds the minimum required credit score of 620 by 154 points.<br> DTI is 40.4% below the maximum DTI of 60%.<br> 15.59 Months reserves exceed the minimum 2 months required by 13.59 months. | Clear | Agree |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626101 | Compliance | Compliance | Active | 2: Acceptable with Warnings | E2OO5EY3CAQ-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the LE issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626102 | Compliance | Compliance | Active | 2: Acceptable with Warnings | PIPRZASU2W4-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Transfer Taxes on disclosure XX/XX/XXXX was not accepted. Although the change appears to be valid (loan amount change), because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. The statute of limitation has expired. " |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626103 | Compliance | Compliance | Active | 2: Acceptable with Warnings | DDEENCZLE20-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 2) | This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)) The LE issued on XX/XX/XXXX was not received by the consumer 4-business days prior to the consummation date, XX/XX/XXXX. Saturday XXXX X does not count as a business day because this is a Federal Holiday. The defect has no cure. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626104 | Compliance | Disclosures | Active | 3: Curable | 66291701-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The PCCD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument, nor does the Closing Date and Disbursement date agree with the CD. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626104 | Compliance | Compliance | Active | 3: Curable | 66291701-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The Initial Escrow Account Statement dated XX/XX/XXXX does not equal the starting escrow balance on the final CD nor the PCCD. The escrow statement must match the PCCD. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626107 | Compliance | Compliance | Active | 3: Curable | 33527825-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Discount Points. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626107 | Credit | Credit Worthiness | Active | 3: Curable | 33527825-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | The final 1003 indicated the borrower has rented the last three months at XX XXXXXXX XXXX XXXX. and owned XXX XXXXXXXXXX XXXXX for 9 months which sold in XX/XXXX. However, the credit on page 157 only reflects 6 months mortgage history. The file is missing the VOR and previous mortgage history to complete 12 months housing history required by the guidelines. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626108 | Credit | DTI | Resolved | Resolved | 1GQZ1Z0ROKC-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl R) | The origination underwriter calculated the income as $X,XXX.XX. The loan file did not contain detailed documentation regarding the borrowers wages; therefore, the audit review used YTD and Prior year earnings average for employment of $X,XXX.XX and Sch C income of $X,XXX.XX totaling $X,XXX.XX in income. As a result the DTI increased from 49.48% to 50.10% over the 50% maximum DTI guidelines. |  |  |  |  | Validated | No comments provided as to how the DTI was resolved. There was nothing in the trailing documents related to DTI. | Compensating factors | Reserves = 26180.63; LTV = 73.95348; FICO = 736 | Clear | Agree |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626108 | Income | Income | Resolved | Resolved | 1GQZ1Z0ROKC-TFI3BVP1 | Employment | \* Employment Information Incomplete (Lvl R) | The borrower earns income through self employment, in addition to W2 income, the loan file did not contain 3rd party verification of self employment as required. |  |  |  |  | Validated | No comments provided to indicate how the finding was resolved. Trailing docs and loan file did not provide a third party verification of SE. | Third party verification confirmed online | N/A | Clear | Validated - s/e confirmed online per XXXX |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626108 | Compliance | Disclosures | Resolved | Resolved | 1GQZ1Z0ROKC-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | There is no evidence of an initial CD provided to the non-borrower. Per regulation, CD(s) must be provided to all who have the right to rescind. The defect can be resolved by providing evidence showing the non-borrower received the disclosure timely. |  | Evidence of intiial CD to non-borrower provided | 11/6/20 \*\*\* Cleared \*\*\* | 11/6/20 \*\*\* Cleared \*\*\* | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626108 | Credit | Credit | Resolved | Resolved | 1GQZ1Z0ROKC-GQTT58C6 | Pre-disclosed Exception | \* Pre-disclosed Exception (Lvl R) | Stated Defect: No flaw. Investor did not agree with income averaging, loan aged out.<br> Agree |  |  |  |  | Validated | No comments provided to indicate how the finding was resolved. | DTI is slightly above max, but acceptable with compensating factors. | DTI is slightly above max, but acceptable with compensating factors. Reserves = 26180.63; LTV = 73.95348; FICO = 736 | Clear | Validated - comp factors |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626108 | Compliance | Doc Issue | Resolved | Resolved | 1GQZ1Z0ROKC-6NDA6LM2 | ROR | \* ROR H9 form for the same Lender refinance was missing (Lvl R) | The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (new advance of money with the same creditor). Model H-8 was provided; however, because the property is located in Pensylvania (3rd circuit), model H-9 should have been used. |  | Updated RORs provided | 11/6/20 Defect will stay open until the end of the new rescission period (XX/XX/XXXX).<br>6/15/2020 Resolved. The ROR provided is sufficient to cure the violation. | 11/6/20 Defect will stay open until the end of the new rescission period (XX/XX/XXXX).<br>6/15/2020 Resolved. The ROR provided is sufficient to cure the violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626108 | Credit | Underwriting | Resolved | Resolved | 1GQZ1Z0ROKC-JH48LW86 | VVOE > 10 days prior to Note date | \* VVOE > 10 days prior to Note date (Lvl R) | The loan file did not contain the VVOE dated within 10 days of the Note date of XX/XX/XXXX as required per DU. |  |  |  |  | Validated | VVOE for Wage employer is on p290. Missing verification for SE. | Third party verification confirmed online | N/A | Clear | Validated - s/e confirmed online per XXXX |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626110 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 78865360-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)), the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)), Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626110 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 78865360-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626110 | Credit | Insurance | Resolved | Resolved | 78865360-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Missing insurance coverage for primary residence. |  |  |  |  | Validated | Primary insurance located on page 229 main folder. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626110 | Credit | Doc Issue | Resolved | Resolved | 78865360-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl R) | Missing title documentation. |  |  |  |  | Validated | Final title policy provided on p1 of the trailing docs. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626110 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 78865360-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626110 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 78865360-1E29A8UN | TRID- SPL late | \* TRID- SPL late (Lvl 2) | The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626112 | Credit | Eligibility | Active | 2: Acceptable with Warnings | 32616763-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 2) | Review calculated income at $XX,XXX.XX based on tax returns; lender income calculated at $XX,XXX.XX. Lender income worksheet shows $XX,XXX.XX yearly in business mileage. This figure was not reflected on the tax returns and was not included. This resulted in a DTI of 58.737% which exceeds lender guidelines which allow a max of 55%. |  |  |  |  | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626112 | Credit | Credit | Active | 2: Acceptable with Warnings | 32616763-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl 2) | Review calculated income at $XX,XXX.XX based on tax returns; lender income calculated at $XX,XXX.XX. Lender income worksheet shows $XX,XXX.XX yearly in business mileage. This figure was not reflected on the tax returns and was not included. This resulted in a DTI of 58.737% which exceeds lender guidelines which allow a max of 55%. |  |  |  |  | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626113 | Credit | Credit | Active | 3: Curable | 30220982-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | There are two mortgage statements for the property located on X XXXXXXX XXXXXX. XXXXXX XXXXXXX XXXXXXXXX #XXXX and XXX #XXXX. XXX not reporting on credit. The loan file is missing the refinance CD showing XXXXXX XXXXXXX was paid off OR the servicing transfer from XXXXXXX to XXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626113 | Credit | LTV/CLTV | Active | 3: Curable | 30220982-0NDHVQ9C | CLTV exceeds guidelines | \* CLTV exceeds guidelines (Lvl 3) | The HTLTV of 98.19% exceeds the maximum of 98%. | 48.529% DTI is 11.471%% below maximum DTI of 60%. <br> 671 Representative credit score exceeds the minimum required credit score of 640 by 31 Points. <br> Reserves in the amount of $21,134.84 exceeds requirement of $3,311.72 by $17,823.12.<br> Borrower has $4834.49 residual income after all expenses. |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626113 | Credit | Credit | Active | 3: Curable | 30220982-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl 3) | The loan file is missing LOX that specifically addresses both the purpose and outcome of each inquiry, in the last 30 days of the credit report date |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626113 | Credit | Guidelines | Active | 3: Curable | 30220982-A2KGH6U9 | Consumer lates exceed guidelines | \* Consumer lates exceed guidelines (Lvl 3) | Derogatory credit exceeds maximum of 2x30 and 1x60 in the past 12 months. Credit report dated XX/XX/XXXX. XXXXX student loan is reporting 5x30, 3x60, and 1x90 with last delinquent date of XX/XX/XXXX. XXXXXX-XX is reporting 3X30 with last delinquent date of XX/XX/XXXX. | 48.529% DTI is 11.471%% below maximum DTI of 60%. <br> 671 Representative credit score exceeds the minimum required credit score of 640 by 31 Points. <br> Reserves in the amount of $21,134.84 exceeds requirement of $3,311.72 by $17,823.12.<br> Borrower has $4834.49 residual income after all expenses. |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626114 | Compliance | Compliance | Active | 2: Acceptable with Warnings | EESAGWWYMXE-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML. Evidence that a copy of a written appraisal with interior photos and performed by a certified appraiser was provided to the consumer is missing. Per Regulation, a creditor shall provide to the consumer a copy of any written appraisal performed in connection with a HPML. The defect can be resolved by providing evidence that shows the consumer received a copy of the appraisal report. |  | Evidence of receipt provided | 11/17/20 Evidence of receipt of appraisal received. Loan is HPML. Because it meets the Escrow and Appraisal requirements, it goes from EVC to EVB | 11/17/20 Evidence of receipt of appraisal received. Loan is HPML. Because it meets the Escrow and Appraisal requirements, it goes from EVC to EVB | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626114 | Valuation | Doc Issue | Active | 3: Curable | EESAGWWYMXE-7L11HSSH | Appraisal is stale dated without recertification i | \* Appraisal is stale dated without recertification in file (Lvl 3) | The Appraisal is dated XX/XX/XXXX with a Recertification of Value (p. 252) dated XX/XX/XXXX. The Note date is XX/XX/XXXX; therefore, the value is not dated within 120 days of the Note date as required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626114 | Compliance | Disclosures | Active | 3: Curable | EESAGWWYMXE-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate when compared to page 1 of the disclosure. The loan has a monthly MI of $XX.XX and $XXX.XX for taxes and insurance. Therefore, the "Escrowed Property Costs Over 1 Year" (p4 Escrow Account) should reflect $X,XXX.XX and the "Monthly Escrow Payment" should reflect $XXX.XX. The defect can be resolved by providing corrected disclosures and proof of delivery (mailing label). |  | Evidence of receipt provided | 11/16/20 \*\*\* Not cleared \*\*\* Per 1024.17(b), "Escrow account means any account that a servicer establishes or controls on behalf of a borrower to pay taxes, insurance premiums (including flood insurance), or other charges with respect to a federally related mortgage loan, including charges that the borrower and servicer have voluntarily agreed that the servicer should collect and pay. The definition encompasses any account established for this purpose, including a "trust account", "reserve account", "impound account", or other term in different localities. An "escrow account" includes any arrangement where the servicer adds a portion of the borrower's payments to principal and subsequently deducts from principal the disbursements for escrow account items. For purposes of this section, the term "escrow account" excludes any account that is under the borrower's total control". The monthly amount of mortgage insurance is therefore included under "Escrowed Property Costs over Year 1". In addition, per § 1026.38(l)(7)(i)(A)(4), the amount the consumer will be required to pay into the escrow account with each periodic payment during the first year after consummation, labeled "Monthly Escrow Payment:. Per the regulaton, this is equal to the sum of the amount of estimated escrow payments disclosed under § 1026.38(c)(1) (as described in § 1026.37(c)(2)(iii)) and the amount the consumer will be required to pay into an escrow account to pay some or all of the mortgage insurance premiums disclosed under § 1026.38(c)(1) (as described in § 1026.37(c)(2)(ii)). | 11/16/20 \*\*\* Not cleared \*\*\* Per 1024.17(b), "Escrow account means any account that a servicer establishes or controls on behalf of a borrower to pay taxes, insurance premiums (including flood insurance), or other charges with respect to a federally related mortgage loan, including charges that the borrower and servicer have voluntarily agreed that the servicer should collect and pay. The definition encompasses any account established for this purpose, including a "trust account", "reserve account", "impound account", or other term in different localities. An "escrow account" includes any arrangement where the servicer adds a portion of the borrower's payments to principal and subsequently deducts from principal the disbursements for escrow account items. For purposes of this section, the term "escrow account" excludes any account that is under the borrower's total control". The monthly amount of mortgage insurance is therefore included under "Escrowed Property Costs over Year 1". In addition, per § 1026.38(l)(7)(i)(A)(4), the amount the consumer will be required to pay into the escrow account with each periodic payment during the first year after consummation, labeled "Monthly Escrow Payment:. Per the regulaton, this is equal to the sum of the amount of estimated escrow payments disclosed under § 1026.38(c)(1) (as described in § 1026.37(c)(2)(iii)) and the amount the consumer will be required to pay into an escrow account to pay some or all of the mortgage insurance premiums disclosed under § 1026.38(c)(1) (as described in § 1026.37(c)(2)(ii)). | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626114 | Credit | Credit | Active | 3: Curable | EESAGWWYMXE-GQTT58C6 | Pre-disclosed Exception | \* Pre-disclosed Exception (Lvl 3) | Stated Defect: UNINSURED FHA: the loan was not insured due to an expired appraisal. FHA was contacted, and they would not reinstate the case number with the expired appraisal. Case Assignment: XX/XX/XXXX / Appraisal Logged: XX/XX/XXXX / Appraisal Expiration: XX/XX/XXXX and Funding: XX/XX/XXXX<br> Agree |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626115 | Valuation | ValuationWaterfall | Active | 3: Curable | 11546638-DBANIECF | Stated value not supported. 2nd value required. | \* Stated property value not supported. Secondary value required. (Lvl 3) |  |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626116 | Compliance | Compliance | Active | 3: Curable | 54611426-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 3) | The loan is an HPML, and there is no evidence in the file of a written appraisal, performed by a certified/licensed appraiser and including an inspection of the interior of the property. Per Regulation, a creditor may not extend a HPML without obtaining a written appraisal of the property prior to consummation. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626116 | Valuation | Data Edit | Resolved | Resolved | 54611426-6USHK8UK | Escrow for MI but no MI cert in file | \* Escrow for MI but no MI cert in file (Lvl R) | Per closing disclosure, mortgage insurance is escrowed, however no MI certificate in the file. |  |  |  |  | validated | No comments provided as to how the missing MI Cert issue was resolved. There was nothing in the trailing documents related to a missing MI Cert. | Compensating factors | Loan closed without MI. Reserves = 48607.77; DTI = 38.04375; LTV = 95; FICO = 804 | Clear | Agree - Loan closed w/o MI |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626116 | Credit | Doc Issue | Resolved | Resolved | 54611426-FRS27DRA | MI, FHA or MIC missing and required | \* MI, FHA or MIC missing and required (Lvl R) | Missing evidence of the MI certificate in the file. |  |  |  |  | validated | MI Cert not provided. | Compensating factors | Loan closed without MI. Reserves = 48607.77; DTI = 38.04375; LTV = 95; FICO = 804 | Clear | Agree - Loan closed w/o MI |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626116 | Valuation | Doc Issue | Resolved | Resolved | 54611426-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl R) | Missing copy of the appraisal in the file. |  |  |  |  | Validated | Comments for main findings indicate issue doesn't impact ability to purchase loan. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626121 | Credit | Assets Insufficient | Active | 3: Curable | 6472942-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl 3) | Asset short to close; documents in file indicate the borrowers are to receive $XXX,XXX.XX from sale of departing residence. Sales contract is in file, but missing final CD to verify sale was completed. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626123 | Credit | Credit | Active | 3: Curable | 7282675-HZ5671LK | Missing Doc | \* Missing Doc (Lvl 3) | No asset documentation in file. File indicates the borrower's prior residence was sold and proceeds were used, but no documentation in file to verify sale. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626123 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 7282675-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626125 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 16120259-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626127 | Compliance | Compliance | Active | 3: Curable | 12226327-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 3) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626127 | Compliance | Compliance | Active | 3: Curable | 12226327-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fee(s) on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Origination Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626127 | Credit | Credit Worthiness | Active | 3: Curable | 12226327-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | The file does not contain 12 months rental housing history as required by guidelines. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626127 | Compliance | Compliance | Active | 3: Curable | 12226327-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626130 | Credit | Credit | Active | 3: Curable | 52206089-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | The final 1003 on page 1112 was not signed. The initial 1003 is on page 808 dated XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626131 | Credit | AUS | Active | 3: Curable | 64441892-7A53YLIZ | File Does Not Support Data Submitted to DU | \* Documentation Does Not Support (Lvl 3) | The AUS in file reflects $XXX,XXX.XX appraised value and debts from old credit report. If the lender is relying on AUS a new one needs to be ordered reflecting the appraised value of $XXX,XXX.XX and updated debts per credit report, p. 1. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626131 | Credit | Credit | Resolved | Resolved | 64441892-BGXHGJCO | Unable to verify PITI on other mortgage debt (ATR) | \* Unable to verify PITI on other mortgage related obligations (ATR) (Lvl R) | Missing tax information for for property XXXX XXXXXX XXX XX |  |  | 2/25/2022: Resolved. Property tax amount for XXXXXX property was provided. | 2/25/2022: Resolved. Property tax amount for XXXXXX property was provided. | validated | Property tax amount for XXXXXX property missing | 2/23/22 - XXXXXXX to review - See property tax printouts for XXXX XXXXXX XXX XX totaling $XXX/yr attached. Guidelines allow printouts of current tax amounts. | N/A | See uploaded/attached docs | Validated - Received property tax printouts for XXXX XXXXXX XXX XX |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626132 | Compliance | Compliance | Resolved | Resolved | 18403880-ED8B0OJY | ComplianceEase TRID Tolerance Test Failed #3 | \* ComplianceEase TRID Tolerance Test Failed #3 (Lvl R) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the Validated |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626132 | Compliance | Disclosures | Active | 3: Curable | 18403880-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | This loan failed the initial loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)). The Initial LE issued on XX/XX/XXXX is less than seven business days before the Consummation Date, XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626132 | Compliance | Compliance | Active | 3: Curable | 18403880-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 3) | This loan failed the charges that cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626132 | Compliance | Compliance | Active | 3: Curable | 18403880-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosure was delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626132 | Credit | Doc Issue | Active | 3: Curable | 18403880-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 3) | Missing evidence of title. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626132 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 18403880-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The Service Provider List issued on XX/XX/XXXX was not disclosed within 7 business days before consummation (XX/XX/XXXX). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626133 | Credit | Credit | Active | 2: Acceptable with Warnings | 82730111-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl 2) | There is no date evident on the Tool Kit provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application. |  |  |  |  | Not Reviewed | EVB finding |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626134 | Credit | Credit | Resolved | Resolved | 13796043-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file is missing the Replacement Cost Estimate from the hazard insurance company. The HOI policy in file p.120 shows coverage of $XXX,XXX.XX and does not indicate any additional coverage with a dollar amount or with a percentage. The appraisal does not reflect a land value for this detached condominium. The loan amount is $XXX,XXX.XX. |  |  |  |  | Validated | No replacement cost estimator provided, No additional coverage amount or guaranteed replacement on insurance policy. No cost new on appraisal. | Hazard insurance coverage is sufficient for replacement cost | N/A | Clear | Validated. XXXX confirmed sufficnet coverage for replacement cost. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626134 | Credit | Credit | Resolved | Resolved | 13796043-HZ5671LK | Missing Doc | \* Missing Doc (Lvl R) | Condo HOI Master Policy for The Overlook p.1274 does not list the things that are covered by the policy or the coverage amount. It only shows the premium. |  |  |  |  | Validated | Condo policy p1294 with coverage amount provided on p1302. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626135 | Compliance | Compliance | Active | 3: Curable | 17420179-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626136 | Valuation | Doc Issue | Active | 3: Curable | 37850062-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 3) | The PIW was lost on the final DU. A full appraisal was required but not obtained. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626136 | Compliance | Compliance | Active | 3: Curable | 37850062-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626136 | Credit | Doc Issue | Active | 3: Curable | 37850062-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl 3) | The policy is not in file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626137 | Compliance | Compliance | Resolved | Resolved | 33829423-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl R) | Violation addressed under another category. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626137 | Credit | Credit | Active | 3: Curable | 33829423-HZ5671LK | Missing Doc | \* Missing Doc (Lvl 3) | Missing tax and HOA documentation for the rental property located at XXX XXXXXXXXXXX XX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626138 | Compliance | Compliance | Active | 3: Curable | 35012343-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baseline: Points. The violation may be cured if documentation is provided showing the disclosure was delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626138 | Compliance | Compliance | Active | 3: Curable | 35012343-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626139 | Valuation | Doc Issue | Active | 3: Curable | 35967836-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 3) | Appraisal Document is Missing in file. Final AUS approval in file did not allow a PIW. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626139 | Compliance | Disclosures | Active | 3: Curable | 35967836-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626140 | Compliance | Disclosures | Active | 3: Curable | 42968750-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626142 | Credit | Credit | Active | 3: Curable | 49110731-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl 3) | Bank statements provided shows a large deposit for $XX,XXX.XX on XX/XX/XXXX, no source of the large deposit provided. If the large deposit was not used in the assets, the borrower would not have sufficient funds to close. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626143 | Valuation | Doc Issue | Active | 3: Curable | 14577535-GJPBPN9X | Appraisal dated after closing | \* Appraisal dated after closing (Lvl 3) | As per the appraisal report page 88 appraisal date is XX/XX/XXXX. Note date is XX/XX/XXXX. Appraisal date is after closing date need appraisal report before closing date. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626144 | Valuation | Property | Active | 3: Curable | 73768049-7QGY2J7Z | Completed "Subject To" w/o Compltn Cert in File | \* Completed "Subject To" w/o Compltn Cert in File (Lvl 3) | Missing the 1004-S completion cert |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626144 | Valuation | Property | Resolved | Resolved | 73768049-FSPW8MVQ | Property Issues indicated | \* Property Issues indicated (Lvl R) | Appraisal is showing subject to, need 1004d Form. |  |  |  |  | Unvalidated | Completion 1004D not provided. No comments provided to address the Resolved status. | Compensating factors | Appraisal is subject to minor items. Reserves = 7519; DTI = 31.5186; FICO = 753 | Clear | Unvalidated- Appraisal photos reflect incomplete bathrooms, kitchen flooring throughout and , landscaping, |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626150 | Credit | Doc Issue | Active | 3: Curable | 93692032-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl 3) | The title reflected a loan amount of $XXX,XXX.XX, the subject loan amount is $XXX,XXX.XX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626150 | Credit | Eligibility | Active | 3: Curable | 93692032-4HICM5S5 | Purpose does not meet eligibility requirement(s) | \* Purpose does not meet eligibility requirement(s) (Lvl 3) | The VA IRRRL requires the due date of the first monthly payment of the loan being refinanced must be 210 days or more prior to the closing date of the refinance loan. The first payment of the loan being refinanced is XX/XX/XXXX, the subject closed XX/XX/XXXX, which is a seasoning of 162 days. | 704 Representative credit score exceeds the minimum required credit score of 580 by 124 Points. |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626152 | Compliance | Compliance | Active | 3: Curable | 99786876-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626153 | Compliance | Compliance | Active | 3: Curable | 85132226-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent for both borrower and non-borrower spouse. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626154 | Compliance | Compliance | Resolved | Resolved | 65004903-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl R) | The finance charge is $258,088.35. The disclosed finance charge of $257,942.47 is not considered accurate because it is<br> understated by more than $100.<br>The loan is understated by 145.88. The following fees were included in the calculation: <br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Processing Fee paid by Borrower: XXX.XX<br> Title - CPL paid by Borrower: $XX.XX<br> Title - erecording paid by Borrower: $XX.XX<br> Title - escrow paid by Borrower: $XXX.XX<br> Title - title wire fee paid by Borrower: $XX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX<br> Warehousing Fee paid by Borrower: $X,XXX.XX.<br>The defect can be cured by reimbursing the consumer or providing informaton as to why the violation is invalid. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626154 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 65004903-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626154 | Credit | Eligibility | Active | 3: Curable | 65004903-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 3) | The lender has a simultaneous second mortgage of $XX,XXX.XX. CLTV of 101.536% exceeded the guideline limit of 100%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626158 | Compliance | Compliance | Active | 3: Curable | 70601716-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test (12 CFR §1026.19(e)(3)(i)). The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Title - Courier Fee $XX.XX. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626159 | Valuation | Doc Issue | Resolved | Resolved | 8351994-4M12HOPC | Appraisal not dated | \* Appraisal not dated (Lvl R) | Missing appraisal. Addressed in another finding. |  |  |  |  | Unvalidated | Appraisal was not provided. Final CD does not reflect an appraisal fee being charged. AUS did not approve a property inspection waiver. | Compensating factors | Compensating factors. BPO supports value. Reserves = 30292.56; DTI = 45.62082; LTV = 72.76119; FICO = 751 | Clear | Unvalidated- Missing Appraisal. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626159 | Valuation | ValuationWaterfall | Active | 3: Curable | 8351994-DBANIECF | Stated value not supported. 2nd value required. | \* Stated property value not supported. Secondary value required. (Lvl 3) | File does not contain Appraisal or documented CU Risk Score. Third Party Valuation supporting appraised value within 10% will be required if CU Risk Score exceeds 2.5. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626159 | Valuation | Doc Issue | Resolved | Resolved | 8351994-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl R) | DU findings dated XX/XX/XXXX requires full appraisal for condo on form 1073 and the Lender guidelines require full appraisal unless AUS allows PIW. The loan file is missing the required appraisal. |  |  |  |  | Unvalidated | Appraisal was not provided. Final CD does not reflect an appraisal fee being charged. AUS did not approve a property inspection waiver. | Compensating factors | Compensating factors. BPO supports value. Reserves = 30292.56; DTI = 45.62082; LTV = 72.76119; FICO = 751 | Clear | Unvalidated- Missing Appraisal. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626160 | Compliance | Compliance | Active | 3: Curable | 18120269-ALRISXDQ | ComplianceEase State Regulations Test Failed | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5) The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX). The violation may be cured by providing a PCCD with the true disbursement date and the final charged per-diem amount and/or providing the method used for calculating daily interest (360 and 365 pre-paid interest days per year were tested and both failed). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626161 | Compliance | Compliance | Resolved | Resolved | 43916936-FR16UVJK | QM Points and Fees | \* QM Points and Fees (Lvl R) | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1)) The following fees were included in the calculation: <br> Administration Fee paid by Borrower: $XXX.XX0, Lender fee paid by Borrower: $X,XXX.XX, Points - Loan Discount Fee paid by Borrower: $5,670.00 and Processing Fee paid by Borrower: $XXX.XX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626165 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 80665256-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626168 | Compliance | Compliance | Active | 3: Curable | 23637749-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1)). The finance charge is $XXX,XXXXX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. The loan is understated by $XXX.XX. The following fees were included in the calculation: Document Preparation ($XXX), Processing ($XXX), Underwriting ($XXX), Flood Cert ($XX.XXX), MERS Registration ($XX.XX), Closing Protection Letter ($XX), E-Doc ($XX), Recording Services ($XX), Settlement ($XXX), and Prepaid Interest ($XXX.XX). The defect can be cured by reimbursing the consumer or providing informaton as to why the violation is invalid. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626168 | Credit | DTI | Resolved | Resolved | 23637749-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl R) | Final CD in file from the property located at XXXX XXXXXXX XX shows property was just refinanced. Final 1003 show rental income of $XXXX.XX being used to offset expense. No documentation in file to support the rental income, causing DTI to rise above the maximum DTI of 55%. Please provide fully executed lease agreement or documentation to show the account being paid off. |  |  | 2/17/2022: Resolved. Received Rent Zestimate report for XXXX XXXXXXX XX for $XXXX mo | 2/17/2022: Resolved. Received Rent Zestimate report for XXXX XXXXXXX XX for $XXXX mo | Validated | Zillow Rent Zestimate Report was provided to document rent of $X,XXX (p28 of Trailing docs) |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626168 | Credit | Eligibility | Resolved | Resolved | 23637749-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | Final CD in file from the property located at XXXX XXXXXXX XX shows property was just refinanced. Final 1003 show rental income of $XXXX.XX being used to offset expense. No documentation in file to support the rental income, causing DTI to rise above the maximum DTI of 55%. Please provide fully executed lease agreement or documentation to show the account being paid off. |  |  | 2/17/2022: Resolved. Received Rent Zestimate report for XXXX XXXXXXX XX for $XXXX mo | 2/17/2022: Resolved. Received Rent Zestimate report for XXXX XXXXXXX XX for $XXXX mo | Validated | Zillow Rent Zestimate Report was provided to document rent of $X,XXX (p28 of Trailing docs) |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626169 | Credit | Doc Issue | Active | 3: Curable | 90051343-L2B1HTEY | Credit report incomplete | \* Credit report incomplete (Lvl 3) | The provided Credit report on page 36 date XX/XX/XXXX reflect only score Model from Equifax. Need updated credit report with minimum two Fico score. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626170 | Credit | Insurance | Resolved | Resolved | 44557587-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | As per the Insurance page XXX XXXXXXXX amount is $XXX,XXX.XX and loan amount is $XXX,XXX.XX. Need Replacement cost more than 25.00% to cover the loan amount. |  |  |  |  | validated | No evidence provided to prove sufficient coverage. | Insurance covers replacement cost | N/A | Clear | Validated. XXXX confirmed sufficnet coverage for replacement cost. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626170 | Credit | Underwriting | Resolved | Resolved | 44557587-PH3WIAVD | Income | \* Income documentation is incomplete (Lvl R) | As per the Final 1003, DU and 1008 borrower 2 other income is $XXX; however, other income is missing in the loan file. |  |  |  |  | Unvalidated | No documentation provided for other income. No comments provided for Resolve Status. | Income calculated with supporting documentation. Loan is performing. DTI = 56.8522; LTV = 90.93023; FICO = 713 | N/A | Clear | Unvalidated<br> Appears client may be removing $802 income from qualification however this would require resubmission to AUS due to tolerances being exceeded. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626172 | Compliance | Compliance | Resolved | Resolved | 77534125-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points- Loan Discount Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626172 | Compliance | Compliance | Resolved | Resolved | 77534125-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Credit Report Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626173 | Compliance | Compliance | Resolved | Resolved | 25483476-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | Tolerance cured at consummation |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626173 | Compliance | Compliance | Active | 3: Curable | 25483476-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The Initial Escrow Account Statement dated XX/XX/XXXX shows an initial escrow balance of $XXX.XX whereas the CD dated XX/XX/XXXX on page 2 and 4 show an initial escrow balance of $XXX.XX. These figures must agree. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626175 | Credit | Doc Issue | Resolved | Resolved | 42646042-FRS27DRA | MI, FHA or MIC missing and required | \* MI, FHA or MIC missing and required (Lvl R) | Missing Loan Guaranty Certificate. |  |  |  |  | Validated | Loan Guaranty Certificate provided in the trailing docs file, page 6 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626179 | Credit | AUS | Active | 3: Curable | 27429682-4UIPD48Y | AUS Missing | \* Missing AUS (Lvl 3) | The AUS in the file (P 203), dated XX/XX/XXXX, was associated with the credit report (P 184), dated XX/XX/XXXX, with a mid-score qualifying score of 704. The file contained a new credit report (P 204), dated XX/XX/XXXX0, reflecting a mid-score qualifying score of 700. The borrower's credit score decreased and the updated credit report is not associated with the AUS. An updated AUS is required based on the new credit report in the file that was obtained before the date of close, XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626179 | Credit | Doc Issue | Active | 3: Curable | 27429682-OPN6CQBU | Application Missing | \* Application Missing (Lvl 3) | Final 1003 is missing in the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626181 | Credit | Doc Issue | Active | 3: Curable | 10092228-OPN6CQBU | Application Missing | \* Application Missing (Lvl 3) | Final 1003 not in file |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626181 | Credit | Credit Worthiness | Active | 3: Curable | 10092228-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | Borrower previously rented. Missing 12 month rental history. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626181 | Credit | Doc Issue | Resolved | Resolved | 10092228-FRS27DRA | MI, FHA or MIC missing and required | \* MI, FHA or MIC missing and required (Lvl R) | The MI Cert is missing. A full TILA review could not be performed. The defect can be resolved by providing the MI Cert. |  |  |  |  | Validated | Exception resolved per page 3 of trailing folder, no longer qualifies as a USDA loan, MI cert is not applicable. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626182 | Valuation | Property | Active | 3: Curable | 81553208-FSPW8MVQ | Property Issues indicated | \* Property Issues indicated (Lvl 3) | Appraisal shows issues with the property condition. Exterior photos of the subject property shows tarps over the roof and that the porch is not attached to the subject property. Also, interior photos show that a wood stove has been removed, however there is a hole in the ceiling from the removal that has not been properly covered. Photos also so that there is missing flooring in the kitchen that is covered by plywood and gallon water bottles, which is safety issue. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626182 | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | 81553208-6NDA6LM2 | ROR | \* ROR H9 form for the same Lender refinance was missing (Lvl 2) | The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (-new advance of money with the same creditor). Model H-8 was provided; because the property is located in WA, model H-9 should have been used. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626184 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 35674121-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626184 | Credit | Credit | Active | 3: Curable | 35674121-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | The loan file is missing the LOE for credit inquiries. The credit report shows an inquiry from XXXXXXX XXXX/XXXXX XXX dated XX/XX/XXXX and missing documentation to verify if new debt was obtained. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626185 | Credit | Credit | Active | 3: Curable | 1320193-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | Missing LOE for credit inquiries. A letter of explanation that specifically addresses both the purpose and outcome of each inquiry, in the last 30 days of the credit report date, is required |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626185 | Credit | LTV/CLTV | Active | 3: Curable | 1320193-0NDHVQ9C | CLTV exceeds guidelines | \* CLTV exceeds guidelines (Lvl 3) | 98.19% LTV/CLTV exceeds 98.00% maximum. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626187 | Compliance | Compliance | Active | 3: Curable | 16874697-D7WQ15YB | TRID Total of Payments (TOP) | \* TRID Total of Payments (TOP) (Lvl 3) | This loan failed the TRID total of payments test (12 CFR §1026.38(o)(1)). A cost to cure in the amount of $X,XXX.XX is required. The Total of Payments Calculations includes the following: Principal $XXX,XXX.XX, Interest $XXX,XXX.XX, Mortgage Insurance $0.00, and Loan Costs $X,XXX.XX. The defect can be cured by reimbursing the consumer or providing information as to the reason the violation is not valid. If curing with a reimbursement, the following documents are required: LOE to consumer, copy of the refund, and proof of delivery. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626188 | Compliance | Compliance | Active | 2: Acceptable with Warnings | WZXDSGZ242V-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626188 | Credit | Credit | Active | 3: Curable | WZXDSGZ242V-GQTT58C6 | Pre-disclosed Exception | \* Pre-disclosed Exception (Lvl 3) | Stated Defect: Repurchase from X XXXXXX side due to C5 rating.<br> Agree |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626188 | Valuation | Property | Active | 3: Curable | WZXDSGZ242V-FSPW8MVQ | Property Issues indicated | \* Property Issues indicated (Lvl 3) | The appraisal reflects a Condition status of C5 with comments that no updates have been done to the Kitchen and bath in 15 years, and are needed. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626189 | Credit | AUS | Resolved | Resolved | 45106192-DL3LKV6A | AUS: File does not contain all AUS Reports run | \* AUS: File does not contain all AUS Reports run (Lvl R) | Incorrect appraisal value on the AUS. The DU in file on page 39 reflects an appraised value of $XXX,XXX.XX and a LTV of 80%. The Appraisal on page 97 shows a value of $XXX,XXX.XX. This resulted in a LTV of 81.16% which is still within lender guideline requirements. |  |  |  |  | Validated | Lender GL allow max LTV of 90% |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626189 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 45106192-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626190 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 98183396-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626190 | Compliance | Compliance | Active | 3: Curable | 98183396-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626190 | Valuation | Doc Issue | Active | 3: Curable | 98183396-SWGGJEY3 | Missing flood cert | \* Missing flood cert (Lvl 3) | Missing the flood certificate. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626190 | Credit | Doc Issue | Active | 3: Curable | 98183396-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl 3) | Missing evidence of homeowner's insurance. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626190 | Credit | Credit | Active | 2: Acceptable with Warnings | 98183396-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl 2) | The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB finding |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626192 | Credit | Credit | Active | 3: Curable | 91557311-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl 3) | Per the application, the borrower was qualified with assets from a personal account #XXXX, with $XXX.XX balance, and two business accounts #XXXX, $XX,XXX.XX balance and #XXXX $XX,XXX.XX. Statements from the accounts were in the file and supported the balances stated. However, the borrower owned only 50% of the business (P 474) and the required letter from a licensed tax professional verifying the withdrawal of the funds would not have a negative impact on the business, was not in the file. In addition, the personal account was a shared account with a non-borrower and a letter of verifying rights to full access was not in the file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626195 | Valuation | Value | Active | 3: Curable | 93888745-M0XGEFL4 | Quality of Appraisal Report Unacceptable | \* Quality of Appraisal Report Unacceptable (Lvl 3) | The subject property is a manufactured home.The original appraisal was completed on Form 1004. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626200 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 85584438-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626200 | Compliance | Compliance | Active | 3: Curable | 85584438-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626200 | Compliance | Compliance | Active | 3: Curable | 85584438-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626200 | Compliance | Compliance | Active | 3: Curable | 85584438-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 3) | This loan failed the charges that in total cannot increase more than 10%. Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626200 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 85584438-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626201 | Compliance | Compliance | Resolved | Resolved | 34626618-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | Tolerance violation cured at consummation. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626201 | Credit | Credit Worthiness | Active | 3: Curable | 34626618-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | Missing 12 month rental history. Borrower is a first time homebuyer that previously rented. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626201 | Valuation | ValuationWaterfall | Active | 3: Curable | 34626618-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | CU score of 2.6. Missing additional valuation to confirm value within 10% varience. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626202 | Valuation | ValuationWaterfall | Active | 3: Curable | 26512608-DBANIECF | Stated value not supported. 2nd value required. | \* Stated property value not supported. Secondary value required. (Lvl 3) |  |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626202 | Valuation | Doc Issue | Resolved | Resolved | 26512608-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl R) | Missing appraisal report. |  |  |  |  | Unvalidated | Appraisal not provided. No comments provided for Resolve status. | Compensating factors | Compensating factors. BPO supports value. DTI = 41.17861; LTV = 83.33333; FICO = 689 | Clear | Unvalidated- Missing Appraisal. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626204 | Credit | Eligibility | Active | 3: Curable | 46262997-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 3) | Final Sch B reflects a 2nd lien opened on XX/XX/XXXX for $X,XXX.XX, CLTV 99.75% max allowed per XXXX purchase guidelines is 98%. | FICO score of 671 max per guidelines 640 with loan amount of $172,900. |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626205 | Credit | Doc Issue | Active | 3: Curable | 39475032-S0H46YO7 | Missing required 1-4 family rider | \* Missing required 1-4 family rider (Lvl 3) | The Security Instrument is missing the following: 1-4 Family Rider. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626205 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 39475032-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Discount Point. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, corrected PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626206 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 36954098-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the charges that cannot increase test (12 CFR §1026.19(e)(3)(i) and the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626206 | Credit | Credit | Resolved | Resolved | 36954098-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | Need supporting document for HOA of $XXX. |  |  |  |  | Unvalidated | No evidence of HOA in file. The condo cert on page 381 had a range $XXX.XX - $XXX.XX. PIW used. HOA on page 301 is not for the subject. | Supporting documentation provided. | N/A | Clear | Unvalidated. <br> HOA documentation was not found in a re-review of the loan file and trailing file. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626206 | Valuation | Property | Active | 3: Curable | 36954098-WF7LVCT1 | Property Type unacceptable under guidelines | \* Property Type unacceptable under guidelines (Lvl 3) | Property per documentation in file is a Condotel. Not eligible per guidelines. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626206 | Credit | Credit | Active | 3: Curable | 36954098-IAW403JB | Occupancy- Potential Occupancy Misrepresentation | \* Occupancy- Potential Occupancy Misrepresentation (Lvl 3) | Property indicated as secondary residence, however appears to be investment property based on documentation in loan file. HOI dec page shows loss of rents coverage. Property is a Condotel per documentation in loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626206 | Credit | Legal Docs | Active | 3: Curable | 36954098-476HSRL6 | Legal Docs | \* Missing Assignment (Lvl 3) | The notary's signature on the Security Instrument is inconsistent when compared to signed closing documents. The notary signed on XX/XX/XXX; however, the consumer signed XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626206 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 36954098-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626207 | Credit | Eligibility | Active | 3: Curable | 47711307-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 3) | Max LTV/CLTV for this program is 98% current CLTV/LTV is 98.19% based on sale price and appraised amount of XXXX |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626207 | Credit | Eligibility | Active | 3: Curable | 47711307-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 3) | Max LTV/CLTV for this program is 98% current CLTV/LTV is 98.19% based on sale price and appraised amount of XXXX |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626208 | Valuation | Doc Issue | Active | 3: Curable | 15054200-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 3) | No appraisal waiver found on the AUS pg. 48. No appraisal was provided for review. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626211 | Credit | Credit | Active | 3: Curable | 22014185-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | Missing evidence of the sale of the borrower's current residence located at XXX XXXXXX XXXX XX, XXXXXX XXXXXXXX, FL. Application and documentation in the file shows the property is currently pending sale, however no proof provided in the file that the property has been sold. If the mortgage payment of the current residence was included in the DTI calculation, the DTI would exceed 65%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626212 | Compliance | Compliance | Active | 3: Curable | 79970217-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baseline: Discount Points and Transfer Taxes. The violation may be cured if documentation is provided showing the disclosure was delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626212 | Compliance | Compliance | Active | 3: Curable | 79970217-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD issued on XX/XX/XXXX was not received by the consumer 3-business days prior to consummation and a waiver was not provided. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation or a waiver stating why consummation took place prior to the 3-day rule. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626213 | Compliance | Compliance | Resolved | Resolved | 13406814-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | The violation is addressed under separate category. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626213 | Compliance | Compliance | Resolved | Resolved | 13406814-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: 15 Day Extension (Lock Extension Fee). A cost to cure in the amount of $XXSX.XX (borrower paid portion) is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626214 | Credit | Credit | Active | 2: Acceptable with Warnings | 40860438-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl 2) | There is no date evident on the Tool Kit provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application. |  |  |  |  | Not Reviewed | EVB finding |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626215 | Compliance | Compliance | Active | 3: Curable | 15692941-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626219 | Credit | Eligibility | Active | 3: Curable | 36049398-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 3) | Per Lender guidelines Matrix 4/1/2021. The Maximum LTV/CLTV allowed 80% with a minimum credit score 700 and Maximum DTI 50% for Purchase Transaction of Primary Residence. The loan was approved with LTV/CLTV 85%. Loan does not meet Lender guidelines Matrix requirement . |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626219 | Compliance | Disclosures | Active | 3: Curable | 36049398-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The loan failed the Revised Loan Estimate delivery date test (after issuance of Closing Disclosure). The Revised Loan Estimate issued on XX/XX/XXXX was issued on the same day or after providing the Closing Disclosure issued on XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626219 | Credit | Eligibility | Active | 3: Curable | 36049398-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 3) | Per Lender guidelines Matrix 4/1/2021. The Maximum LTV/CLTV allowed 80% with a minimum credit score 700 and Maximum DTI 50% for Purchase Transaction of Primary Residence. The loan was approved with LTV/CLTV 85%. Loan does not meet Lender guidelines Matrix requirement . |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626220 | Valuation | Property | Active | 3: Curable | 49174676-58JOOK9B | Property Marketability Issues | \* Property Marketability Issues (Lvl 3) | Appraisal is rated C5. Property condition is not acceptable and not inhabitable based on repairs listed. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626220 | Valuation | Value | Active | 3: Curable | 49174676-M0XGEFL4 | Quality of Appraisal Report Unacceptable | \* Quality of Appraisal Report Unacceptable (Lvl 3) | Comps do not support value. Property has multiple deferred maintenence listed, such as mold, broken windows, electrical problems. Comparables used are in good marketable condition with no obvious repairs noted. One comparable is currently under construction. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626220 | Compliance | Disclosures | Active | 3: Curable | 49174676-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626220 | Credit | Guidelines | Active | 3: Curable | 49174676-HTEKL4JF | Asset do not meet guidelines | \* Asset do not meet guidelines (Lvl 3) | Only 1 month bank statement for the - XXXXXXXX XXXX checking\*\*XXXX(XX/XX/XXXX). Can be cured by providing the subsequent months bank statement showing the EMD withdrawal. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626221 | Credit | Appraisal | Active | 3: Curable | 53135215-ST5QHVLB | Appraisal | \* Final Inspection (Lvl 3) | As per the Appraisal report page 5 property is subject to repair; however, 1004D is missing in the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626221 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 53135215-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Credit Report. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626227 | Compliance | Compliance | Active | 3: Curable | HL0GHEYTIDM-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626228 | Valuation | Doc Issue | Active | 3: Curable | KKZWOMGXT5K-GJPBPN9X | Appraisal dated after closing | \* Appraisal dated after closing (Lvl 3) | 1075 Exterior Only Condominium Inspection and XXXXX XXXXXXXl AVM in the file are both dated after closing, missing copy of the appraisal dated before closing. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626229 | Credit | Credit | Active | 3: Curable | OJTCVRCE5Z1-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl 3) | No assets documented in the file, however $XX.XX in verified funds needed to close. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626230 | Credit | Doc Issue | Active | 3: Curable | GOXJP433FCG-084LDYCE | VOM or VOR missing/required | \* VOM or VOR missing/required (Lvl 3) | The Applicable Guidelines (page 30 of 83) stated that a Housing Payment History, in the form of mortgage history/or rental history must be verified for the most recent 12 months. The Loan Application shows that the borrower has rented for the last 2.75 years with a monthly rental expense of $XXX.XX. There is no rental history documented in the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626232 | Credit | Credit | Active | 3: Curable | 39937341-HZ5671LK | Missing Doc | \* Missing Doc (Lvl 3) | Page 77 Is a gift letter $XX,XXX.XX from parent signed XX/XX/XXXX. Documentation to verify the funds were withdrawn from the donor's XXXX XXXX acct #XXXX |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626233 | Credit | Credit Worthiness | Active | 3: Curable | 88393088-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | The subject loan closed XX/XX/XXXX. The borrower recently refinanced primary residence on XX/XX/XXXX. The previous mortgage was paid off and the Final CD for the transaction was in the loan file, P 419. The previous mortgage does not appear on the credit report. The loan file did not contain a supplement or VOM to verify 12 months mortgage payment history. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626235 | Valuation | Doc Issue | Active | 3: Curable | 8235523-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 3) | The file was approved using a PIW. The loan amount was increased but the lender did not re-run DU. The PIW was no longer valid due to the increase. A full appraisal is required but not obtained. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626236 | Credit | Doc Issue | Active | 3: Curable | 85379517-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl 3) | Per the Title Commitment provided on file, the title insurance amount is $XXX,XXX.XX which is less than the mortgage amount of $XXX,XXX.XX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626236 | Compliance | Compliance | Active | 3: Curable | 85379517-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test. The addition of the following fees was not accepted because a valid change of circumstance was not provided: Title Commitment Fee & Title Closing Fee. A cost to cure in the amount of $XX.XX is required. The violation may be cured by reimbursing the consumer or providing a valid reason for the changes. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626237 | Credit | Credit Worthiness | Active | 3: Curable | 95206637-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | The credit report is only showing 8 months of mortgage history. Per the 1003, the borr has lived in the primary res for 3 years. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626239 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 61053944-GXOVNRMB | ComplianceEase RESPA Test Incomplete | \* ComplianceEase RESPA Test Incomplete (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626239 | Compliance | Disclosures | Active | 3: Curable | 61053944-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 3) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX.The defect can be resolved by providing evidence showing the document was issued to the consumer within 3 business days of application. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626239 | Compliance | Compliance | Active | 3: Curable | 61053944-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). Because the SPL was missing, fees in Section C were subject to 10% tolerance. The changes resulted in threshold to go above allowable tolerance. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase or providing evidence that shows the SPL was delivered timely. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626239 | Compliance | Compliance | Active | 3: Curable | 61053944-X23FZWUT | Disclosures | \* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3) | The CHARM Booklet is missing. The defect can be resolved by providing the missing disclosure. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626239 | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 61053944-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The Servicing Information under the Other Considerations section on the LE, issued on XX/XX/XXXX is not completed and no other LE's were located. The Servicing Disclosure not provided to the consumer within 3 days of application, XX/XX/XXXX. Defect has no cure. |  |  |  |  | Not Reviewed | Non-material finding. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626240 | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | 13076118-6NDA6LM2 | ROR | \* ROR H9 form for the same Lender refinance was missing (Lvl 2) | The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (-new advance of money with the same creditor). Model H-8 was provided; because the property is located in TX, model H-9 should have been used. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626241 | Credit | Underwriting | Resolved | Resolved | 55031011-PH3WIAVD | Income | \* Income documentation is incomplete (Lvl R) | Income shows borrower has 50% ownership in business, no CPA letter or documentation on file to show approval to use funds as reserves, Matrix requires 2 months reserves. |  |  |  |  | Unvalidated | No documentation provided. No comments provided for Resolve Status. | Compensating factors | Reserves = 62264.03; LTV = 53.75; FICO = 750 | Clear | ??? Cannot use reserves as comp factor since missing asset LOE. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626242 | Compliance | Compliance | Active | 3: Curable | 27840312-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626242 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 27840312-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD issued on XX/XX/XXXX was not received by the consumer 3-business days prior to consummation and a waiver was not provided. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation or a waiver stating why consummation took place prior to the 3-day rule. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626244 | Credit | AUS | Resolved | Resolved | 34579753-DL3LKV6A | AUS: File does not contain all AUS Reports run | \* AUS: File does not contain all AUS Reports run (Lvl R) | 1008 shows AUS Approve/Ineligible, but AUS is not in file. |  |  |  |  | Validated | AUS not required per GL |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626244 | Credit | Comp Factor | Resolved | Resolved | 34579753-90KLPU6G | Comp Factor: Low DTI | \* Comp Factor: Low DTI (Lvl R) | Missing income documentation for proof of retirement, comp factors borrower has long term employment, professional employment, borrower 3 has consistent income Reserves over 5 years for DTI. |  |  |  |  | Validated | Comp factors verified |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626244 | Credit | Credit | Resolved | Resolved | 34579753-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | 1003 shows income from borrower 3 as retirement income. Documentation not on file. |  |  |  |  | Unvalidated | Borrower 3's SS Award letter provided on p733, however pension income was used to qualify but was not documented. | Compensating factors | Reserves = 1464765.67; DTI = 40.2044; LTV = 80; FICO = 770 | Clear | ??? Confirm if Borr 3 pension income is needed to qualify. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626244 | Credit | Credit | Resolved | Resolved | 34579753-BGXHGJCO | Unable to verify PITI on other mortgage debt (ATR) | \* Unable to verify PITI on other mortgage related obligations (ATR) (Lvl R) | File shows 2 other properties owned, one pending sale, Need additional of sale of property or documentation verifying Insurance/HOA/and Taxes. <br>2nd property is owned by Borrower 3 as per property profile, property is free and clear need documentation regarding payment for HOA/Taxes/Insurance in order to verify DTI |  |  |  |  | Unvalidated | Missing evidence of sale or ins/HOA/taxes for pending property. Missing HOA/Tax/Ins for 2nd property. | Compensating factors | Reserves = 1464765.67; DTI = 40.2044; LTV = 80; FICO = 770 | Clear |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626245 | Compliance | Compliance | Resolved | Resolved | 45377386-ALRISXDQ | ComplianceEase State Regulations Test Failed | \* ComplianceEase State Regulations Test Failed (Lvl R) | This loan failed the DTI provided test. (10 Pa. Code §46(2)(g)) This loan did not provide the debt-to-income ratio. In performing an analysis to determine whether an applicant will have the ability to repay an offered loan, a licensee must consider, verify and document the fixed expenses of the applicant. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626245 | Compliance | Compliance | Resolved | Resolved | 45377386-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v)) Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX. Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3) (i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation.<br> This loan failed the charges that cannot increase test. The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626246 | Valuation | ValuationWaterfall | Active | 3: Curable | 66102427-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | Missing secondary valuation required for securitization. No CU Score reported on UCDP Reports |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626248 | Credit | Doc Issue | Resolved | Resolved | 27507086-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title commitments in the file show the loan amount in the file as $XXX,XXX.XX. An updated title commitment showing a loan amount of $XXX,XXX.XX is required. |  |  | 2-25-2022: Resolved. Received final title policy for the correct loan amount, | 2-25-2022: Resolved. Received final title policy for the correct loan amount, | Validated | Final Title Policy reflects coverage of $XXX,XXX (p7 of Trailing docs). |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626248 | Compliance | Compliance | Active | 3: Curable | 27507086-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)). The increase to the following fees was not accepted because the change was not disclosed within 3-business days: Transfer Tax, credit report supplement. The transfer tax change occurred on XX/XX/XXXX; however, the disclosure was not issued until XX/XX/XXXX. The credit report supplement change occurred on XX/XX/XXXX; however, the disclosure was not issued until XX/XX/XXXX. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing evidence that the change was disclosed within 3-business days. If curing with a reimbursement, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626249 | Credit | Doc Issue | Active | 3: Curable | 1132835-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 3) | The file does not contain title policy reflecting title amount. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626250 | Credit | Eligibility | Active | 2: Acceptable with Warnings | 67289487-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 2) | 100% LTV exceeds lender guideline maximum LTV for cash out refinance of 90%. VA loan that was DU Approve/Eligible at 100% LTV. |  |  |  |  | Not Reviewed | No comments provided to address the condition being downgraded. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626250 | Credit | Eligibility | Active | 2: Acceptable with Warnings | 67289487-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 2) | 100% LTV exceeds lender guideline maximum LTV for cash out refinance of 90%. VA loan that was DU Approve/Eligible at 100% LTV. |  |  |  |  | Not Reviewed | No comments provided to address the condition being downgraded. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626253 | Credit | Doc Issue | Active | 3: Curable | 88950993-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl 3) | Evidence of Homeowners Insurance is not in the loan file. Per the lender guidelines: Evidence of insurance, from the insurance company, is necessary. As an alternative to evidence from the insurance company, Seller may provide policy provide the following minimum information: Name of insured, Subject property address, Insurance company name, Insurance company address, Policy number, Policy effective dates, Coverage type, Total coverage amount, Total premium, Balance due. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626254 | Credit | Credit | Active | 2: Acceptable with Warnings | 97803444-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl 2) | The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB finding |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626257 | Credit | Eligibility | Active | 3: Curable | 69314219-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 3) | LTV of 99.459% exceeds maximum permitted of 98% per guidelines. Loan is a FHA Refinance. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626257 | Credit | Credit | Active | 3: Curable | 69314219-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl 3) | The XXXX and XXXX W2s for the primary borrower are not in file |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626257 | Credit | Credit | Active | 3: Curable | 69314219-HZ5671LK | Missing Doc | \* Missing Doc (Lvl 3) | The VOE for the primary borrower is not in file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626257 | Credit | Eligibility | Active | 3: Curable | 69314219-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 3) | LTV of 99.459% exceeds maximum permitted of 98% per guidelines. Loan is a FHA Refinance. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626259 | Credit | Credit | Active | 3: Curable | 49632568-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 3) | The final 1008/1003 dated XX/XX/XXXX shows a 180 month term, proposed housing PITI payment of $X,XXX.XX and DTI of 40.320%. The loan closed with 121 month term, proposed PITI payment of $X,XXX.XX and DTI of 47.8%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626262 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 88268243-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the charges that cannot increase test (12 CFR §1026.19(e)(3)(i)) and the loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626262 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 88268243-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 2) | This loan failed the initial loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)). The Initial LE issued on XX/XX/XXXX is less than seven business days before the Consummation Date, XX/XX/XXXX. The statute of limitations has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626262 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 88268243-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626262 | Credit | Credit Worthiness | Resolved | Resolved | 88268243-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | Borrowers reported to be currently renting. VOR not required per guidelines. |  |  |  |  | Validated | Confirmed GL do not require housing history |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626263 | Credit | Credit | Active | 3: Curable | 93168929-IAW403JB | Occupancy- Potential Occupancy Misrepresentation | \* Occupancy- Potential Occupancy Misrepresentation (Lvl 3) | The Lease agreement provided in file for departing residence reflects the name of the tenant, Mamikonian, which also appears on the borrowers paystub on page 294 as the Receipient. The HOI policy provided for subject property is a Landlord policy (Non Owner Occupied). The loan file does not contain clarification and support of intent to occupy the subject. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626266 | Valuation | ValuationWaterfall | Active | 3: Curable | 28535702-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | No AVM/CDA noted |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626267 | Valuation | ValuationWaterfall | Resolved | Resolved | 52378200-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Additional valuation not required per guidelines. |  |  |  |  | Validated | Appraisal in file with value of $XXX,XXX. Review of approval does not indicate an additional valuation was required. Review of Final CD does not indicate a second valuation was obtained. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626267 | Compliance | Compliance | Resolved | Resolved | 52378200-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase/addition to the following fee(s) was not accepted because a valid reason was not provided: Recording Fee (XX/XX/XXXX). A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626267 | Compliance | Compliance | Active | 3: Curable | 52378200-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 3) | A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626267 | Credit | Credit Worthiness | Active | 3: Curable | 52378200-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | The file did not contain 12 months rental housing history as required by guidelines. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626267 | Credit | Doc Issue | Active | 3: Curable | 52378200-EXSOIS8W | Mortgage missing / unexecuted | \* Mortgage missing / unexecuted (Lvl 3) | The file is missing the UCC filings. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626268 | Credit | Insurance | Active | 3: Curable | 13366573-7V8G8MVK | HOI | \* Hazard Insurance (Lvl 3) | The HOI coverage amount for subject property (XXXX XXXXXXX) $XXX,XXX.XX; However, the required hazard coverage amount is $XXX,XXX.XX. An updated HOI document is needed supporting the required coverage amount. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626269 | Compliance | Compliance | Active | 3: Curable | 48589439-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: State Tax / Stamps. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626269 | Credit | Doc Issue | Resolved | Resolved | 48589439-FRS27DRA | MI, FHA or MIC missing and required | \* MI, FHA or MIC missing and required (Lvl R) | The MI Cert is missing. A full TILA review could not be performed. The defect can be resolved by providing the MI Cert. |  |  |  |  | Validated | XXXX acknowledges no MI on loan, trailing docs file page 12-13 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626269 | Credit | Credit | Resolved | Resolved | 48589439-HZ5671LK | Missing Doc | \* Missing Doc (Lvl R) | The final 1003 reflecting the final income was not located in the loan file. |  |  | 2/25/2022: Resolved. Received final 1003. | 2/25/2022: Resolved. Received final 1003. | Unvalidated | Final 1003 not proviX,XXX.XX. The file contains a signed 1003 with income of $X,XXX.XX and 1008 and AUS used $X,XXX.XX. | Final 1003 uploaded | N/A | See uploaded/attached docs | Unvalidated - 1003 provided has the incorrect income of $6,898.60. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626269 | Credit | Credit | Resolved | Resolved | 48589439-IAW403JB | Occupancy- Potential Occupancy Misrepresentation | \* Occupancy- Potential Occupancy Misrepresentation (Lvl R) | No Lox re occupancy in file. Subject is a new Primary. Borr is retaining existing primary, but subject is not comparable in desire and appeal. LOX was necessary. |  |  |  |  | Validated | No comments provided to indicate how the finding was resolved. | Compensating factors | Reserves = 24586.7; DTI = 40.34391; LTV = 95; FICO = 774 | Clear | Validated with comp factors |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626273 | Compliance | Compliance | Active | 3: Curable | 87340742-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: Recording Fee (XX/XX/XXXX). A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626275 | Credit | AUS | Resolved | Resolved | 62455812-GJFZHWRB | Automated underwriting | \* missing AUS approval (Lvl R) | DU Approve/Eligible is in file on page 275; however, the appraisal value of $XXX,XXX.XX and LTV of 74% do not match the documentation in file. Appraisal value is $XXX,XXX.XX with an LTV of 80.76%. |  |  |  |  | Validated | AUS Not required per GL |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626278 | Credit | Doc Issue | Active | 3: Curable | 72850657-084LDYCE | VOM or VOR missing/required | \* VOM or VOR missing/required (Lvl 3) | Missing 12 months rental history |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626278 | Compliance | Compliance | Active | 3: Curable | 72850657-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The decrease to lender credits on the disclosures issued on XX/XX/XXXX and XX/XX/XXXX were not accepted. Although the decreases appears to be valid, because COC were not provided, auditor is unable to determine if the revised CDs were disclosed within 3 business days of the changes. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing the date of the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626278 | Valuation | Property | Active | 3: Curable | 72850657-7QGY2J7Z | Completed "Subject To" w/o Compltn Cert in File | \* Completed "Subject To" w/o Compltn Cert in File (Lvl 3) | Appraisal completed as subject to inspection, missing 1004D |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626278 | Credit | Doc Issue | Resolved | Resolved | 72850657-FRS27DRA | MI, FHA or MIC missing and required | \* MI, FHA or MIC missing and required (Lvl R) | FHA MI information missing in loan file |  |  |  |  | validated | MI Cert not provided. | No MI. | N/A | Clear | Validated<br> Loan was underwritten as a FHA with mortgage insurance however the final CD indicates the loan closed as a conventional loan with no MI. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626278 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 72850657-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The Cash to Close on the CCTC table on page 3 of the CD issued on XX/XX/XXXX in the LE column does not match the Estimated Cash to Close on the CCTC table (page 2) of the LE issued on XX/XX/XXXX. The CD shows $X,XXX.XX whereas the LE shows $X,XXX.XX, these two must match. The defect can be resolved by providing a corrected PCCD and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626278 | Credit | Eligibility | Active | 2: Acceptable with Warnings | 72850657-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 2) | Loan approved at 100%LTV, max allowed per guidlines on a Full doc loan with loan amount $XXX-$XXXX is 98%. | Low DTI Ratio - loan has DTI of 34%, max allowed 55% per guidelines. <br>High Asset Reserves - loan has 36.8 months reserves,no reserves required per guidlines. |  |  |  | Not Reviewed | No comments provided to address the condition being downgraded. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626278 | Credit | Eligibility | Active | 2: Acceptable with Warnings | 72850657-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 2) | Loan approved at 100%LTV, max allowed per guidlines on a Full doc loan with loan amount $XXX-$XXXX is 98%. |  |  |  |  | Not Reviewed | No comments provided to address the condition being downgraded. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626279 | Credit | Credit | Resolved | Resolved | 44963359-PXITUQYJ | 1003 Application [information not provide] | \* 1003 Application [information not provide] (Lvl R) | Initial 1003 is missing in the loan file. |  |  |  |  | Unvalidated | Initial 1003 was not provided. Only the final 1003 was in the loan file. | Compensating factors | Final 1003 provided. Reserves = 12529.62; DTI = 28.10604; LTV = 80; FICO = 793 | Clear | Unvalidated. Missing initial 1003 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626279 | Valuation | Doc Issue | Active | 3: Curable | 44963359-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 3) | Missing copy of the appraisal in the file. DU AUS in the file shows the subject loan is not eligible for a property inspection waiver. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626279 | Valuation | ValuationWaterfall | Resolved | Resolved | 44963359-DBANIECF | Stated value not supported. 2nd value required. | \* Stated property value not supported. Secondary value required. (Lvl R) | Loan was provided a rep and warrant on the appraisal. Nothing further needed. |  |  |  |  | Validated | Guidelines allow appraisal waiver if provided by AUS (Guidelines, page 68, 4.1.21 guidelines). No further information needed. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626281 | Credit | Assets Insufficient | Active | 3: Curable | 99156488-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl 3) | Closing disclosure missing verifying proceeds from sale of departing residence. Application indicates $XXX,XXX.X to be received from sale. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626282 | Compliance | Compliance | Resolved | Resolved | 1078003-ALRISXDQ | ComplianceEase State Regulations Test Failed | \* ComplianceEase State Regulations Test Failed (Lvl R) | This loan failed the bona fide discount points test. (NC §24-1.1A (c)(1)(b))<br> The loan is a first lien mortgage and has a principal amount that is greater than or equal to $XX,XXX.XX and charges discount points<br> that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.<br> Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are<br> marked as "Bona Fide - State." |  |  | This loan failed the bona fide discount points test. (NC §24-1.1A (c)(1)(b)) The loan is a first lien mortgage and has a principal amount that is greater than or equal to $XX,XXX and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate. Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are marked as "Bona Fide - State." | This loan failed the bona fide discount points test. (NC §24-1.1A (c)(1)(b)) The loan is a first lien mortgage and has a principal amount that is greater than or equal to $XX,XXX and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate. Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are marked as "Bona Fide - State." | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626282 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 1078003-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626284 | Compliance | Compliance | Active | 3: Curable | 90569440-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626284 | Credit | Insurance | Resolved | Resolved | 90569440-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Documentation was not provided to verify the subject properties insurable value therefore sufficient dwelling coverage could not be determined. |  |  |  |  | Validated | Loan amount $XXX,XXX.XX (page 120, main folder). Hazard (page 219 main folder) has coverage of $XXX,XXX.XX, which is sufficient. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626286 | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | 68690584-QGZLW42M | Homeownership Counseling List | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB finding |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626289 | Valuation | ValuationWaterfall | Active | 3: Curable | 93338882-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | Missing third party valuation within 10% variance for securitization from the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626290 | Credit | Doc Issue | Resolved | Resolved | MRQ5NEKYUDT-FRS27DRA | MI, FHA or MIC missing and required | \* MI, FHA or MIC missing and required (Lvl R) | The MI Cert is missing. A full TILA review could not be performed. The defect can be resolved by providing the MI Cert. |  |  |  |  | validated | MI Cert not provided. | Compensating factors | Loan closed without MI. Reserves = 2321.54; DTI = 22.62068; LTV = 90; FICO = 733 | Clear | Validated. Loan closed w/o MI |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626291 | Compliance | Compliance | Active | 3: Curable | 20065667-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX//XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626296 | Compliance | Compliance | Active | 3: Curable | 42279048-YF1S1X5R | TRID- Initial LE timing fail | \* TRID- Initial LE timing fail (Lvl 3) | The initial Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cured by providing the initial and any revised Loan Estimates that were issued to the consumer. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626297 | Compliance | Compliance | Active | 3: Curable | 96732127-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)). The decrease to lender credits on PCCD XX/XX/XXXX was not accepted because the decrease occurred after consummation. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing any missing disclosures with the change. The following documents are required as well: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626297 | Compliance | Compliance | Active | 3: Curable | 96732127-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 3) | The PCCD issued on XX/XX/XXXX does not reflect the correct loan amount when compared to the Note. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626297 | Credit | Guidelines | Active | 3: Curable | 96732127-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl 3) | Missing XXXX tax returns and XXXX P&L for the borrower's business, XXXXXXX XXXXXXXXXXXX XXXXXXXX, loan only contains a CPA letter, XXXX tax returns and XXXX, XXXX, XXXX W2s in the file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626297 | Compliance | Doc Issue | Active | 3: Curable | 96732127-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 3) | The loan failed the Right of Rescission test. The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation took place on XX/XX/XXXX and per the PCCD issued on XX/XX/XXXX, the loan disbursed on XX/XX/XXXX. Loan could not disburse until after the end of the rescission period; rescission ended on XX/XX/XXXX. The defect can be cured by providing the true funding date. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626299 | Credit | Credit Worthiness | Active | 2: Acceptable with Warnings | 43683199-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 2) |  |  |  |  |  | Not Reviewed | Confirmed GL do not require housing history |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626299 | Credit | Credit | Active | 2: Acceptable with Warnings | 43683199-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl 2) | The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB finding |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626301 | Credit | Doc Issue | Resolved | Resolved | 9869511-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | Title is insured in the amount of $XXX,XXX.XX and the Note reflects $XXX,XXX.XX. Not enough coverage. |  |  |  |  | Validated | Final Title Policy reflects coverage of $XXX,XXX.XX (p1 of Trailing docs). |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626301 | Income | Income | Resolved | Resolved | 9869511-TFI3BVP1 | Employment | \* Employment Information Incomplete (Lvl R) | Need a LOX from the Employer as to why the start date on the WVOE pg 84 shows a start date of XX/XX/XXXX and on the WVOE from XX/XX/XXXX shows a start date of XX/XX/XXXX. |  |  |  |  | Unvalidated | LOX from employer was not provided. | Confirmed borrower is employed with supporting documentation regardless of discrepancy. DTI = 31.52111; LTV = 72.70175; FICO = 791 | N/A | Clear | Unvalidated<br> Discrepancy in hire dates was not addressed as required by the resolved condition. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626306 | Credit | Credit | Active | 3: Curable | 67115467-IAW403JB | Occupancy- Potential Occupancy Misrepresentation | \* Occupancy- Potential Occupancy Misrepresentation (Lvl 3) | The subject transaction was submitted and closed as a primary residence. Loan file documentation evidences the intentions of the property is an investment. The evidence of insurance provided in the loan file reflect the policy is a Rental policy. The fully executed mortgage for the subject property transaction reflects the borrowers address is not the subject property, but the current residence disclosed on the loan application. There was no evidence the occupancy intension was questioned or researched based on the file documentation. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626306 | Credit | Title Issue | Active | 3: Curable | 67115467-3MGROFI3 | Title issue | \* Title issue (Lvl 3) | The preliminary title report dated XX/XX/XXXX, was the only title information included dated pre-closing. The preliminary title did not reflect the amount of insurance or the borrower type. The title is for the new construction, showing ownership in the name of the developer. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626306 | Valuation | Property | Active | 3: Curable | 67115467-7QGY2J7Z | Completed "Subject To" w/o Compltn Cert in File | \* Completed "Subject To" w/o Compltn Cert in File (Lvl 3) | The subject property appraisal provided in the loan file was completed Subject To Completion on XX/XX/XXXX. The property interior photos reflects drywall had not been completed, no fixtures or appliances in the kitchen or bathrooms. Evidence the unit was completed prior to closing on XX/XX/XXXX was not provided. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626306 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 67115467-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee(s) on XX/XX/XXX was not accepted because a valid change of circumstance was not provided: Lender's Title Insurance, Notary Fee, and Settlement Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626306 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 67115467-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626308 | Credit | Credit Worthiness | Active | 3: Curable | 44610681-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | Borrower has 4 years rental history, verification of rent is not available. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626309 | Compliance | Compliance | Active | 3: Curable | 24381174-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 3) | The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cured by providing the initial and any revised Loan Estimates that were issued to the consumer. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626309 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 24381174-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626310 | Credit | AUS | Resolved | Resolved | 24660929-DL3LKV6A | AUS: File does not contain all AUS Reports run | \* AUS: File does not contain all AUS Reports run (Lvl R) | AUS not in the file. |  |  |  |  | Validated | AUS not required per GL |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626310 | Compliance | Compliance | Active | 2: Acceptable with Warnings | HC4JTLCUV3M-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626310 | Compliance | Compliance | Active | 3: Curable | 24660929-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee(s) on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626316 | Credit | Doc Issue | Active | 3: Curable | 72956526-084LDYCE | VOM or VOR missing/required | \* VOM or VOR missing/required (Lvl 3) | Verification of 12 months rental history is not in the file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626317 | Compliance | Compliance | Active | 3: Curable | 25223250-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | There is no date evident on the 1003. Although the earliest 1003 may be signed and dated by the consumer(s), the prepared date is not provided and therefore, auditor is not able to determine the initial application date. Without this date, we cannot determine whether or not early disclosures, including the LE, were provided within 3-business days of the application. The defect can be resolved by providing the initial application date. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626317 | Compliance | Disclosures | Active | 3: Curable | 25223250-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626318 | Credit | Credit Worthiness | Active | 3: Curable | 46703282-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | Missing 12 month housing history. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626318 | Compliance | Compliance | Resolved | Resolved | 46703282-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | The initial 1003 is missing. Unable to determine if the following were disclosed within 3 business days from the application date: Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Home Loan Toolkit, Homeownership Counseling Disclosure. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626319 | Credit | Doc Issue | Active | 3: Curable | 36800080-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl 3) | The title in file p. 804 is for $XXX,XXX.XX. Needs to be increased to $XXX,XXX.XX |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626319 | Credit | Credit | Active | 3: Curable | 36800080-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 3) | The completed original and final 1003 for co borrower is not in file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626319 | Credit | Title Issue | Resolved | Resolved | 36800080-3MGROFI3 | Title issue | \* Title issue (Lvl R) | Need to increase coverage to cover loan amount. |  |  |  |  | Validated | Title provided with sufficient coverage |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626320 | Compliance | Compliance | Active | 3: Curable | 84526988-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of Points-Loan Discount Fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626320 | Valuation | Value | Active | 3: Curable | 84526988-M0XGEFL4 | Quality of Appraisal Report Unacceptable | \* Quality of Appraisal Report Unacceptable (Lvl 3) | Appraisal has comparables 1 & 3 that are superior to subject property and are across a major corridor, Comparable #2 is more in line with subject property, appraiser also included an additional comparable #4 but this is also superior to subject and across the same corridor and all are closer to the water. Only 1 comparable is consistent with subject property. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626321 | Compliance | Compliance | Active | 2: Acceptable with Warnings | MUWG4CN0W2M-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626322 | Valuation | ValuationWaterfall | Active | 3: Curable | 27091328-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | Missing Third Party Valuation Product to support the appraisal value with 10% variance. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626322 | Compliance | Compliance | Active | 3: Curable | 27091328-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees was not accepted because the change was not disclosed within 3-business days: Mortgage Insurance Premium. The change occurred on XX/XX/XXXX; however, the disclosure was not issued until XX/XX/XXXX. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing evidence that the change was disclosed within 3-business days. If curing with a reimbursement, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626324 | Compliance | Compliance | Resolved | Resolved | 54556910-JYMKHVRX | ComplianceEase State/Local Predatory Test Failed | \* ComplianceEase State/Local Predatory Test Failed (Lvl R) | This loan failed the DTI provided test. (MD SB270/HB363, Md. Code Ann., Com. Law II §12-127, 12-409.1, 12-925, 12-1029) The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was not provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626324 | Credit | Doc Issue | Resolved | Resolved | 54556910-375LBFOS | ROR Transaction date not consistent with Note and/ | \* ROR Transaction date not consistent with Note and/or HUD (Lvl R) | The Right to Cancel Notice does not provide the borrower with three business days to rescind the transaction. The rescission date is three business days after the signing date, the date the borrower receives the Final CD, or the date the borrower receives the "Notice of Right to Cancel", whichever occurs last. The rescission date noted on the Right to Cancel Notice, XX/XX/XXXX is less than three business days from the XX/XX/XXXX. |  |  |  |  | Validated | ROR dated X/X, signed X/X, cancel date X/XX, funded X/XX. CD signed X/X. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626325 | Compliance | Compliance | Resolved | Resolved | 84157516-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase/addition to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Title Examination Fee - $XX.XX, Title - ERecording Fee - $XX.XX. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626325 | Credit | Credit Worthiness | Active | 3: Curable | 84157516-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | Missing full 12 months renatl history, file has verified 4 months rental. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626326 | Compliance | Compliance | Active | 3: Curable | 51037696-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 3) | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626326 | Credit | Doc Issue | Active | 3: Curable | 51037696-084LDYCE | VOM or VOR missing/required | \* VOM or VOR missing/required (Lvl 3) | The final 1003 shows that the borrower rented for 15 years and 11 months (page 176). Page 177 shows Other > payment of $XXX.XX in the Present Housing section. The applicable guidelines (page 30 of 83) state that a housing payment history, in the form of mortgage and/or rental history, must be verified for the most recent 12 months. The loan file is missing a 12 month housing history as required by the guidelines. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626327 | Compliance | Compliance | Resolved | Resolved | 79868293-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Rate Lock Fee- $XXX.XX. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626329 | Credit | AUS | Resolved | Resolved | 94890946-DL3LKV6A | AUS: File does not contain all AUS Reports run | \* AUS: File does not contain all AUS Reports run (Lvl R) | AUS in file has a DTI of 42.39%, 1008 has a DTI of 53.133% Income calculated using Pension of $XXX.XX, also negative renatl income calculated of ($XXX.XX). |  |  |  |  | Validated | AUS not required per GL |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626329 | Compliance | Compliance | Resolved | Resolved | 94890946-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | Valid COC XX/XX/XXXX is available for Lender Title Indurance Ploicy Fee. No Issue. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626329 | Credit | Doc Issue | Active | 3: Curable | 94890946-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl 3) | Evidence of hazard insurance is not in the file |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626330 | Credit | Credit | Active | 3: Curable | 75879312-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl 3) | The final HUD reflected the borrower was required to bring $XX.XX to closing. The file did not include documentation of assets. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626334 | Credit | Credit Worthiness | Active | 3: Curable | 93927194-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | The guidelines require 12 months VOR, or bank statements to validate the borrowers rental history for the previous 12 month in the amount of $XXX.XX. The loan file contains statement for the months of XX/XXXX,XX/XXXX and XX/XXXX validating this payment. The loan file is missing that additional 9 months to meet the requirement. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626335 | Compliance | Compliance | Active | 3: Curable | 64413574-XO0H1ILK | ComplianceEase HPML/HCM Test Failed | \* ComplianceEase HPML/HCM Test Failed (Lvl 3) | The loan is an HPML, and there is no evidence in the file that an escrow account was in place at the time of origination. Per Regulation, a creditor may not extend a HPML unless an escrow account is established before consummation. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626335 | Compliance | Compliance | Active | 3: Curable | 64413574-6GQKZFG1 | ComplianceEase HOEPA Test Failed | \* ComplianceEase HOEPA Test Failed (Lvl 3) | The loan failed the higher-priced mortgage loan (HPML) required escrow account test. The loan fails to collect reserves for the following: Homeowner's Insurance and Property Taxes. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626337 | Compliance | Compliance | Active | 3: Curable | 65144536-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition to the following fee(s) on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Title Examination Fee and Upper Court Search. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626339 | Compliance | Compliance | Active | 3: Curable | 25699425-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. The PCCD was provided to correct the following item(s): Page 4, Estimated Property Costs over Year 1. Per TRID regulation, corrected disclosures must be issued no later than 60 days after consummation. Defect has no cure. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626343 | Compliance | Compliance | Active | 3: Curable | 56943810-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626343 | Compliance | Compliance | Active | 3: Curable | 56943810-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee and Credit Report Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626344 | Credit | Credit | Resolved | Resolved | 34692754-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | FTHB - PG 69 DU line 12 - at least one borrower was to receive housing counseling prior to closing. There is no evidence showing this requirement was satisfied. |  |  |  |  | Validated | Certificate of Homeownership Education Course on page 577 main file. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626344 | Credit | Doc Issue | Active | 3: Curable | 34692754-084LDYCE | VOM or VOR missing/required | \* VOM or VOR missing/required (Lvl 3) | Per the guidelines, Housing payment history, in the form of rental history, must be verified for the most recent 12 months. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626344 | Compliance | Compliance | Active | 3: Curable | 34692754-ALRISXDQ | ComplianceEase State Regulations Test Failed | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5) The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626346 | Compliance | Compliance | Active | 3: Curable | 90612367-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Transfer Taxes. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626347 | Compliance | Compliance | Resolved | Resolved | 50163493-ZA49MT6Q | ComplianceEase Risk Indicator is "Elevated" | \* ComplianceEase Risk Indicator is "Elevated" (Lvl R) | Violation addressed under a separate category. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626350 | Compliance | Compliance | Active | 3: Curable | 93411151-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fee(s) on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Transfer Tax. A cost to cure in the amount of $XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626351 | Valuation | Property | Active | 3: Curable | 79177764-7QGY2J7Z | Completed "Subject To" w/o Compltn Cert in File | \* Completed "Subject To" w/o Compltn Cert in File (Lvl 3) | File is missing 1004D. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626355 | Compliance | Compliance | Active | 3: Curable | 61047494-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase/addition to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Title - Deed Preparation Fees. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626355 | Credit | Other Disclosures | Resolved | Resolved | 61047494-QGZLW42M | Homeownership Counseling List | \* Homeownership Counseling List (Lvl R) | There is no date evident on the Homeownership Counseling Disclosure (HOC) provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application. |  |  |  |  | Validated | EVB |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626355 | Compliance | Compliance | Resolved | Resolved | 61047494-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626355 | Credit | Doc Issue | Resolved | Resolved | 61047494-7XL1EDMH | Required Affiliated Business Disclosure missing/un | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl R) | ABD document is missing in the loan file. |  |  |  |  | Validated | Finding was acknowledged and downgraded. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626359 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 40754246-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan had a tolerance violation at consummation and it was resolved no later than 60 days after consummation. Because it was cured timely, grade is EVB |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626360 | Compliance | Compliance | Resolved | Resolved | 56991270-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase/addition to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points - Loan Discount Fee, Title - Document Preparation fee . A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626361 | Compliance | Compliance | Active | 3: Curable | 52957239-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The initial 1003 is missing. Unable to determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Home Loan Toolkit, Homeownership Counseling Disclosure. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626370 | Credit | Other Disclosures | Resolved | Resolved | 41196929-QGZLW42M | Homeownership Counseling List | \* Homeownership Counseling List (Lvl R) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. The defect can be resolved by providing evidence showing the document was issued to the consumer within 3 business days of application. |  |  |  |  | Validated | EVB |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626376 | Compliance | Compliance | Active | 3: Curable | 67104605-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD issued on XX/XX/XXXX was not received by the consumer 3-business days prior to consummation and a waiver was not provided. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation or a waiver stating why consummation took place prior to the 3-day rule. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626377 | Compliance | Compliance | Resolved | Resolved | 43827218-JYMKHVRX | ComplianceEase State/Local Predatory Test Failed | \* ComplianceEase State/Local Predatory Test Failed (Lvl R) | This loan failed the DTI provided test. (MD SB270/HB363, Md. Code Ann., Com. Law II §12-127, 12-409.1, 12-925, 12-1029) The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was not provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626379 | Compliance | Compliance | Resolved | Resolved | 83670846-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | This loan failed the revised Closing Disclosure delivery date test (no waiting period required): Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer at the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626381 | Compliance | Compliance | Resolved | Resolved | 53932976-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase/addition to the following fees Appraisal on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided:. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626384 | Valuation | ValuationWaterfall | Active | 3: Curable | 11424221-DBANIECF | Stated value not supported. 2nd value required. | \* Stated property value not supported. Secondary value required. (Lvl 3) | Missing third party valuation product to support the Stated/PIW value |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626389 | Credit | Credit | Active | 3: Curable | 87978700-55CO978W | Credit report >4 months old at closing | \* Credit report >4 months old at closing (Lvl 3) | Required to review Credit report, as submitted in AUS is more than 120 days. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626390 | Compliance | Compliance | Active | 3: Curable | 22541477-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: Recording Fee (XX/XX/XXXX). A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626394 | Credit | Comp Factor | Resolved | Resolved | 97553857-90KLPU6G | Comp Factor: Low DTI | \* Comp Factor: Low DTI (Lvl R) | Low DTI could be a comp factor if needed. |  |  |  |  | Validated | Comp factor verified |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626394 | Credit | Comp Factor | Resolved | Resolved | 97553857-MPS9YVJ1 | Comp Factor: Low Orig LTV | \* Comp Factor: Low Orig LTV (Lvl R) | Low LTV considered additional comp factor. |  |  |  |  | Validated | Comp factor verified |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626395 | Credit | AUS | Resolved | Resolved | 67340499-DL3LKV6A | AUS: File does not contain all AUS Reports run | \* AUS: File does not contain all AUS Reports run (Lvl R) | AUS is missing in file. |  |  |  |  | Validated | AUS not required per GL |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626395 | Compliance | Compliance | Active | 3: Curable | 67340499-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase/addition to the following fees was not accepted because a valid reason was not provided: Title - Chain of Title (LE XX/XX/XXXX); Title - Closing Protection Letter (LE XX/XX/XXXX); Title - Courier Messenger Fees (LE XX/XX/XXXX); Title - Electronic Document Title (LE XX/XXXXXX); Title - Lender's Title Insurance (LE XX/XX/XXXX); Title - Policy Update Fee (LE XX/XX/XXXX); Title - Recording Service Fee (LE XX/XX/XXXX); Recording Fee(CD XX/XX//XXXX). A cost to cure in the amount of $XX.XXis required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumers, PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626396 | Compliance | Compliance | Active | 3: Curable | 44201012-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition to the following fees on LE dated XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: e-closing fee $XX.XX. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumers, corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626398 | Credit | AUS | Active | 3: Curable | 13203895-4UIPD48Y | AUS Missing | \* Missing AUS (Lvl 3) | The AUS/DU contained in the loan file was submission #16 with a run date of XX/XX/XXXX; however, the subject loan closed XX/XX/XXXX. The loan file is missing the Final DU obtained prior to the subject loan closing. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626399 | Valuation | Doc Issue | Resolved | Resolved | 49961053-GJPBPN9X | Appraisal dated after closing | \* Appraisal dated after closing (Lvl R) | Date is correct system has resolved. |  |  |  |  | Validated | Appraisal dated XX/XX/XXXX and Note date is XX/XX/XXXX. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626400 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 38788668-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)), the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)), and the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626400 | Compliance | Compliance | Active | 3: Curable | 38788668-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626400 | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | 38788668-QGZLW42M | Homeownership Counseling List | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application. |  |  |  |  | Not Reviewed | EVB |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626400 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 38788668-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626400 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 38788668-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 2) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $X.XX and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626400 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 38788668-95NA4ABR | TRID - SPL missing | \* TRID - SPL missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626401 | Valuation | Property | Active | 3: Curable | 52971034-7QGY2J7Z | Completed "Subject To" w/o Compltn Cert in File | \* Completed "Subject To" w/o Compltn Cert in File (Lvl 3) | 1004 D page 969 provided is not completed, section: " have improvements been completed" is not marked, there is no completion photos provided, per recap total of work to be done in the amount of $XX,XXX.XX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626401 | Valuation | Value | Active | 3: Curable | 52971034-M0XGEFL4 | Quality of Appraisal Report Unacceptable | \* Quality of Appraisal Report Unacceptable (Lvl 3) | Appraisal not acceptable, property is in a Suburban area and appraiser provided 7 comparables all comparables are from 3.11 miles to 14.72 miles in proximity and gross adjustment are 37% to 20%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626401 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 52971034-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 2) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase of the following fee(s) was not accepted because a valid reason was not provided: Recording Fee (XX/XX/XXXX). A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626402 | Credit | Credit | Active | 2: Acceptable with Warnings | 1917567-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl 2) | There is no date evident on the Tool Kit provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application. |  |  |  |  | Not Reviewed | EVB finding |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626404 | Credit | Credit | Active | 2: Acceptable with Warnings | 98481665-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl 2) | Borrower 2 does not have credit scores as required. Per lender guidelines, loans without scores may not exceed 45% DTI; subject DTI calculated at 48.646%. |  |  |  |  | Not Reviewed | DTI exceeds max 45% DTI with no credit score (Matrix & Summary, page 2). Income for B2 was used to qualify. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626404 | Credit | Eligibility | Active | 2: Acceptable with Warnings | 98481665-LZI5MP1V | Front Ratio does not meet eligibility requirements | \* Housing (Front) Ratio does not meet eligibility requirement(s) (Lvl 2) | Borrower 2 does not have credit scores as required. Per lender guidelines, loans without scores may not exceed 45% DTI; subject DTI calculated at 48.646%. |  |  |  |  | Not Reviewed | DTI exceeds max 45% DTI with no credit score (Matrix & Summary, page 2). Income for B2 was used to qualify. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626404 | Credit | Credit Worthiness | Active | 3: Curable | 98481665-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | Missing prior housing history or LOE; guidelines require a 12 month housing history or a satisfactory LOE if there is no history. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626404 | Credit | Eligibility | Active | 3: Curable | 98481665-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 3) | Exceeds allowable DTI of 45% (one borrower has no scores). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626405 | Compliance | Compliance | Active | 3: Curable | 65370844-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626405 | Compliance | Compliance | Active | 3: Curable | 65370844-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 3) | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626405 | Compliance | Disclosures | Active | 3: Curable | 65370844-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The loan failed the Initial Loan Estimate delivery date test (from application). The LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626405 | Credit | Credit | Resolved | Resolved | 65370844-BGXHGJCO | Unable to verify PITI on other mortgage debt (ATR) | \* Unable to verify PITI on other mortgage related obligations (ATR) (Lvl R) | Documentation verifying the PITI for the investment property is required. |  |  | 3/1/2022: Resolved. Received HOA and updated credit report showing mortgage transferred to XXXXXXXXXXX XXXXXXXX. PITIA $XXXX.XX | 3/1/2022: Resolved. Received HOA and updated credit report showing mortgage transferred to XXXXXXXXXXX XXXXXXXX. PITIA $XXXX.XX | validated | HOA and updated credit report not provided | 2/15/22 - Credit report reflects $X,XXX/mo mortgage payment for rental property at XXXX XXXX XXXX, XXXXXXX XXXXXXX, TX XXXXX. See XXXXXXXXXXXX XXXXXXXX Acct #XXXXXXXXXX entry on credit report attached. This matches the breakdown for the rental on 1003. <br>Property Tax Bill for XXXX XXXX XXXX attached = $X,XXX.XX<br>HOA = XXX/mo per Zillow attached<br>Additionally, per guidelines, " If evidence of insurance is missing, Seller or successor may estimate annual insurance premium by multiplying lesser of outstanding mortgage amount or property value by 0.5%" | N/A | See uploaded/attached docs | Validated <br> The credit report being provided documents a payment of $1,633. <br> Property taxes being document are $446.43 per month. <br> HOA documentation supports $170 per month. <br> Guidelines do allow estimated HOI of $93.71.  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626406 | Credit | Credit | Active | 3: Curable | 34214475-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | Missing mortgage statement for primary res: XXX XXXXXXXXX XX |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626408 | Valuation | ValuationWaterfall | Active | 3: Curable | 38496709-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | Missing third party valuation within 10% variance from the loan file |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626409 | Credit | Eligibility | Active | 3: Curable | 1964045-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 3) | File has a 2nd lien for $XX,XXX.XX , CLTV is 100.88% max allowed is 98% CLTV |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626409 | Valuation | Data Edit | Active | 3: Curable | 1964045-2U47G8RE | LTV / CLTV > 100% | \* LTV / CLTV > 100% (Lvl 3) | File has a 2nd lien for $XX,XXX.XX , CLTV is 100.88% max allowed is 98% CLTV | Loan has $25,193.53 in reserves or 7.27 months. |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626410 | Credit | Doc Issue | Active | 3: Curable | 39552814-SQBKTREO | Condo / PUD rider Missing | \* Condo / PUD rider Missing (Lvl 3) | Subject property is a PUD, missing evidence of the PUD rider in the file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626410 | Credit | Underwriting | Resolved | Resolved | 39552814-PH3WIAVD | Income | \* Income documentation is incomplete (Lvl R) | The co-borrower, XXXXXXXX XXXXX, works as a XXXXXXXX XXXXXXXXXX for XXXXXXX XXXXXXXXXX XXXXXXXX XXX. which is located in XXXXXXX, NJ. The borrowers are purchasing a primary residence located in XXXXXXX, GA. No evidence provided from the co-borrower's employer stating that they are aware of the relocation and the co-borrower will be working remotely. |  |  |  |  | Validated | No comments provided as to how the employment issue as resolved. There was nothing in the trailing documents related to DTI. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626413 | Credit | Credit | Active | 3: Curable | 1195968-HZ5671LK | Missing Doc | \* Missing Doc (Lvl 3) | Missing evidence of flood insurance. Subject is in flood zone AE and flood insurance is required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626415 | Credit | Insurance | Active | 3: Curable | 1704551-7V8G8MVK | HOI | \* Hazard Insurance (Lvl 3) | Hazard Insurance policy available in file page 362 missing the mortgagee clause as it shows Mortgagee as "None". Need updated policy with correct mortgagee clause as "XXX XXX XXXXXXXX XXXXXXXXXXX". |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626417 | Credit | Credit Worthiness | Active | 3: Curable | 29972137-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | Missing 12 month housing history required by guidelines. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626419 | Compliance | Compliance | Active | 3: Curable | 35761656-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test. The addition of the following fees was not accepted because a valid change of circumstance was not provided: Title- Notary Fee and Title- Processing Fee. A cost to cure in the amount of $XX.XX is required. The violation may be cured by reimbursing the consumer or providing a valid reason for the changes. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626424 | Credit | Credit Worthiness | Active | 3: Curable | 30929507-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | There is no housing history in the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626426 | Credit | DTI | Resolved | Resolved | 28344026-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl R) | DTI is 71% vs. AUS approval of 44.578%. This is due to borrowers overall income being significantly less. The borrower is employed seasonally and earned XXXX W2 wages were $X,XXX.XX + Unemployment compensation of $X,XXX.XX for a total of $X,XXX.XX. Tax transcripts in file show a potential other employer but no information was provided in the loan file for this employer for consideration. |  |  |  |  | Unvalidated | No comments provided as to how the DTI was resolved. There was nothing in the trailing documents related to DTI. | Supporting documentation provided. DTI is within acceptable paramaters | N/A | Clear | Unvalidated <br> No supporting documentation provided to resolve DTI issue. AUS DTI approved at 44.58% whereas the actual DTI was 71%. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626426 | Credit | Eligibility | Resolved | Resolved | 28344026-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | DTI is 71% vs. AUS approval of 44.578%. This is due to borrowers overall income being significantly less. The borrower is employed seasonally and earned XXXX W2 wages were $X,XXX.XX + Unemployment compensation of $X,XXX.XX for a total of $X,XXX.XX. Tax transcripts in file show a potential other employer but no information was provided in the loan file for this employer for consideration. This finding is in error - max DTI is 55% |  |  |  |  | Unvalidated | No comments provided as to how the DTI was resolved. There was nothing in the trailing documents related to DTI. | Supporting documentation provided. DTI is within acceptable paramaters | N/A | Clear | Unvalidated <br> No supporting documentation provided to resolve DTI issue. AUS DTI approved at 44.58% whereas the actual DTI was 71%. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626426 | Credit | Credit | Resolved | Resolved | 28344026-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl R) | DTI is 48.3% vs. AUS approval of 44.578%, which exceeds acceptable tolerance. Review of borrowers income shows YTD income figure of $X,XXX.XX is supported with seasonal employment. Debts were higher than reflected with $X,XXX.XX in housing for Borrower II and revolving debt of $XXX.XX. This finding is in error - max DTI is 55% |  |  |  |  | Unvalidated | No comments provided as to how the DTI was resolved. There was nothing in the trailing documents related to DTI. | Supporting documentation provided. DTI is within acceptable paramaters | N/A | Clear | Unvalidated <br> No supporting documentation provided to resolve DTI issue. AUS DTI approved at 44.58% whereas the actual DTI was 71%. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626426 | Credit | Guidelines | Active | 3: Curable | 1RK3ZR4L1EJ-EQCH1PWS | Credit | \* Verification of Rent (Lvl 3) | The loan file did not contain documentation verifying the housing payment for the Non Occupying Co-Borrower. |  |  | 9/2/2021: XXXXX XXX @ XXXX waived | 9/2/2021: XXXXX XXX @ XXXX waived | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626426 | Credit | Credit | Resolved | Resolved | 28344026-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | This was never a finding - all income docs are received. |  |  |  |  | Validated | Income documents in file including a full WVOE for each borrower. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626426 | Compliance | Compliance | Resolved | Resolved | 1RK3ZR4L1EJ-FR16UVJK | QM Points and Fees | \* QM Points and Fees (Lvl R) | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXX,XXX.XX or more, and the transaction's total points and fees is $XX,XXX.XX, which exceeds 3 percent of the total loan amount of $XXX,XXX.XX. The following fees were included in the calculation: Mortgage Broker Fee (Indirect) $XX,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX Underwriting Fee paid by Borrower: $XXX.XX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. |  | Undiscounted Rate provided | 9/13/21 Cleared. The documentation provided is sufficient to resolve the finding. | 9/13/21 Cleared. The documentation provided is sufficient to resolve the finding. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626428 | Credit | Doc Issue | Resolved | Resolved | 49780660-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The preliminary title report in the file does not list the amount of insurance or mortgagee. |  |  | 2/25/2022: Resolved. final title policy with sufficient coverage was provided. | 2/25/2022: Resolved. final title policy with sufficient coverage was provided. | Validated | Final Title Policy reflects coverage of $XXX,XXX (p3 of Trailing docs and lists lender as mortgagee. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626428 | Credit | Eligibility | Active | 3: Curable | 49780660-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 3) | Audit income $X,XXX.XX and adjusted DTI 79.4% which exceeds the lender maximum of 55%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626428 | Credit | DTI | Active | 3: Curable | 49780660-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl 3) | Audit income $X,XXX.XX and adjusted DTI 79.4% which exceeds the lender maximum of 55%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626428 | Credit | Credit | Active | 3: Curable | 49780660-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl 3) | Audit income $X,XXX.XX and adjusted DTI 79.4% which exceeds the lender maximum of 55%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626429 | Credit | Credit | Active | 3: Curable | 38913493-NUWHQML7 | Credit history inadequate/does not meet g/l (ATR) | \* Credit history insufficient/does not meet guidelines (ATR) (Lvl 3) | The file contains a credit report dated XX/XX/XXXX (p.221) that is expired at the time of the Note and then and updated credit report dated XX/XX/XXXX (p.128); however, this one does not have scores. The loan file does not have a credit report with scores dated within 120 days of the Note. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626429 | Compliance | Compliance | Active | 3: Curable | 38913493-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increases to the Lock Extension on the disclosures dated XX/XX/XXXX and XX/XX/XXXX were not accepted. Although the changes appear to be valid, because COC were not provided, auditor is unable to determine if the revised disclosures were provided within 3 business days of the changes. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626431 | Compliance | Compliance | Active | 3: Curable | DTFJ45CTAQW-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 3) | This loan failed the initial closing disclosure delivery date test: (12 CFR §1026.19(f)(1)(ii)) The initial CD issued on XX/XX/XXXX was not received by the consumer 3-business days prior to consummation and a waiver was not provided. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation or a waiver stating why consummation took place prior to the 3-day rule. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626432 | Credit | Doc Issue | Resolved | Resolved | 31068621-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title commitment coverage of $XXX,XXX.XX is insufficient for the Note amount of $XXX,XXX.XX and the loan file does not contain the final title policy to verify sufficient title coverage was obtained. |  |  | 2/25/2022: Resolved. Received final title policy with sufficient coverage. | 2/25/2022: Resolved. Received final title policy with sufficient coverage. | Validated | Final Title Policy reflects coverage of $XXX,XXX (p3 of Trailing docs and lists lender as mortgagee. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626432 | Compliance | Compliance | Resolved | Resolved | 31068621-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Title - Endorsements- $XX.XX and Title - Deed Prep- $XX.XX, Aapraisal Fee- $XXX.XX and Credit Report-$XX.XX. A cost to cure in the amount of $XXX.XX is required. However, because $XX.XX was reimbursed, only $XXX.XX is now due. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626434 | Credit | Credit Worthiness | Resolved | Resolved | 34007652-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | Not required by program. |  |  |  |  | Validated | Confirmed GL do not require housing history |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626437 | Credit | Doc Issue | Resolved | Resolved | 40541526-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl R) | The Right to Cancel Notice is missing from the loan file. Unable to determine if the applicable version was provided to all required parties. The defect can be cured by providing the document. |  |  | 6/15/2022 Resolved. The ROR provided for borrowers is sufficient to cure the violation. | 6/15/2022 Resolved. The ROR provided for borrowers is sufficient to cure the violation. | Validated | Trailing doc |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626438 | Credit | Insurance | Active | 3: Curable | 59442368-7V8G8MVK | HOI | \* Hazard Insurance (Lvl 3) | The HOI coverage amount for subject property is $XXX,XXX.XX. The required amount is $XXX,XXX.XX. An updated HOI document is needed supporting the required coverage. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626439 | Compliance | Disclosures | Active | 3: Curable | 43556148-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626441 | Compliance | Compliance | Active | 3: Curable | 54048224-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626442 | Valuation | Doc Issue | Active | 3: Curable | 57648639-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 3) | A full appraisal as not obtained. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626442 | Compliance | Compliance | Active | 3: Curable | 57648639-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: Recording Fee, XX/XX/XXXX. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626445 | Valuation | Value | Active | 2: Acceptable with Warnings | 60787962-K0LQ7SI2 | Property value and predominant value vary by more | \* Property value and predominant value vary by more than 50% (Lvl 2) | Appraisal states the following in regards to predominant value: The subject's value is greater than the neighborhood predominant value, but is not over built for the area. - no issue to the appraisal. |  |  |  |  | Not Reviewed | No comments provided regarding this condition being downgraded. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626446 | Credit | Insurance | Active | 3: Curable | 64964404-7V8G8MVK | HOI | \* Hazard Insurance (Lvl 3) | The subject (XXXX XXXXXXXXX XX) HOI coverage amount is $XXX,XXX.XX; However, the required hazard coverage amount is $XXX,XXX.XX. An updated HOI document is needed supporting the required amount of coverage. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626447 | Credit | Doc Issue | Resolved | Resolved | 12372030-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | Missing title insurance of at least $XXX,XXX.XX. |  |  |  |  | Validated | Final Title Policy reflects coverage of $XXX,XXX (p18 of Trailing docs). |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626448 | Valuation | Doc Issue | Resolved | Resolved | 66400626-OR5FH5OU | Appraisal incomplete (missing map, layout, pages, | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Missing appraisal |  |  |  |  | Unvalidated | Appraisal was not provided in file and AUS did not allow for a property inspection waiver. Final CD does not reflect an appraisal fee being charged. | Compensating factors | BPO supports value. | Clear | Unvalidated- Missing Appraisal. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626448 | Valuation | Doc Issue | Resolved | Resolved | 66400626-4M12HOPC | Appraisal not dated | \* Appraisal not dated (Lvl R) | Missing Appraisal |  |  |  |  | Unvalidated | Appraisal was not provided. Final CD does not reflect an appraisal fee being charged. AUS did not approve a property inspection waiver. | Compensating factors | BPO supports value. | Clear | Unvalidated- Missing Appraisal. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626448 | Credit | AUS | Resolved | Resolved | 66400626-DL3LKV6A | AUS: File does not contain all AUS Reports run | \* AUS: File does not contain all AUS Reports run (Lvl R) | Per 1008 in file loan approved DU / Eligible, DU provided in file is refer with Caution, need updated DU or 1008. |  |  |  |  | Validated | AUS not required per GL |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626448 | Credit | Doc Issue | Active | 3: Curable | 66400626-084LDYCE | VOM or VOR missing/required | \* VOM or VOR missing/required (Lvl 3) | Missing proof of 12 month history, Per 1003 borrower rents prior home for 5 months, need complete 12 months of combined rental and mortgage history. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626448 | Valuation | Doc Issue | Resolved | Resolved | 66400626-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl R) | Missing appraisal |  |  |  |  | Unvalidated | Appraisal not provided. No comments provided for Resolve status. | Compensating factors | BPO supports value. | Clear | Unvalidated- Missing Appraisal. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626452 | Valuation | Property | Active | 3: Curable | 70748932-YXD0GIEY | Property is Commercial Prop | \* Property is Commercial Prop (Lvl 3) | he subject is a condotel located in XXXXXXXX XXXXXXX XXXXX XXXX XXXXX |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626452 | Credit | Eligibility | Active | 3: Curable | 70748932-AOA4RHKS | Property Type does not meet elig. requirement(s) | \* Property Type does not meet eligibility requirement(s) (Lvl 3) | he subject is a condotel located in XXXXXXXX XXXXXXX XXXXX XXXX XXXXX |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626458 | Compliance | Compliance | Resolved | Resolved | 26449016-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Add'l Endorsement Fee, Settlement or Closing Fee, Title - XXXXXXXXXX or Title Search, Title - XXXXXXX XXXXX XXXXXX. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626460 | Valuation | ValuationWaterfall | Active | 3: Curable | 11867056-DBANIECF | Stated value not supported. 2nd value required. | \* Stated property value not supported. Secondary value required. (Lvl 3) |  |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626464 | Credit | Assets Insufficient | Resolved | Resolved | 2127557-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl R) | The guidelines require 1 monthly statement (for depository accounts) and for funds to be seasoned for 30 days. A total of 3 consecutive statements were provided for the XXXXX XXXXX account #XXXX, (statement ending XXXXXXXX, XXXXXXXX and XXXXXXX) which verify the borrower was not an owner of the account until the statement ending XXXXXXX. Therefore, only funds deposited into the account ($X,XXX.XX) during this time frame would be considered seasoned eligible funds that the borrower has access to. Additionally, the loan file contained a gift letter in the amount of $X,XXX.XX dated XX/XX/XXXX. The copy of the actual $X,XXX.XX gift check reflects it is made payable to the non-borrowing spouse only. The most recent dated bank statement, that the borrower is an owner of the account, did not reflect the deposit of the gift funds. These funds cannot be considered for the borrowers assets. The loan file did not contain documentation verifying sufficient funds to close. |  |  |  |  | Unvalidated | Sufficient assets were not documented/seasoned. Issues addressed in the finding was not resolved. | Compensating factors | 38% DTI and strong employment history. | Clear | Unvalidated. Assets were not documented/seasoned. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626464 | Credit | Eligibility | Active | 3: Curable | 2127557-GBBTF6MZ | Qual Credit Score does not meet elig. requirements | \* Qualifying Credit Score does not meet eligibility requirement(s) (Lvl 3) | 4 Point Credit Score Exception. Minimum required credit score for a primary, purchase transaction with the LTV of 96.50% is 640, the borrowers median credit score is 636. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626464 | Credit | Credit Worthiness | Resolved | Resolved | 2127557-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | Guidelines do not require residency to be verified. |  |  |  |  | Validated | Confirmed GL do not require housing history |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626466 | Compliance | Compliance | Active | 3: Curable | 63583603-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test. Although the addition/increase may be valid, because a COC was not provided, auditor is unable to determine if the CD issued on XX/XX/XXXX was disclosed within 3 business days of the change. Therefore, the increase to/addition of the following fees was not accepted:ATLA 9-06 Restrictions, XXXXXXX XXXXX Insurance, Title Endorsement Fee, Title Update. A cost to cure in the amount of $XXX.XX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626467 | Credit | Insurance | Active | 3: Curable | 57012543-7V8G8MVK | HOI | \* Hazard Insurance (Lvl 3) | The subject property XXXX XXXXX XXX. HOI coverage amount is $XXX,XXX.XX; However, the required hazard amount is $XXX,XXX.XX. An updated HOI document is needed supporting the required coverage amount. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626470 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 55207858-95NA4ABR | TRID - SPL missing | \* TRID - SPL missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626471 | Valuation | Property | Waived | Waived | IOXIJG1R5WB-7QGY2J7Z | Completed "Subject To" w/o Compltn Cert in File | \* Completed "Subject To" w/o Compltn Cert in File (Lvl W) | The Appraisal report was made subject to repairs; however, there were no repairs reflected as required on the report. The loan file did not contain a Completion Cert or a corrected Appraisal reflecting an as is condition. |  |  | 10/13/2021: waived "known stated defect" by XXXXX XXX at XXXX | 10/13/2021: waived "known stated defect" by XXXXX XXX at XXXX | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626471 | Credit | Doc Issue | Resolved | Resolved | IOXIJG1R5WB-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl R) | The loan file did not contain a Credit Report as required. |  |  | 10/19/2021: Cleared. Received credit bureau. | 10/19/2021: Cleared. Received credit bureau. | Validated | Credit Report on page 24, Trailing folder. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626471 | Credit | Credit | Waived | Waived | IOXIJG1R5WB-GQTT58C6 | Pre-disclosed Exception | \* Pre-disclosed Exception (Lvl W) | Sated Defect:Engineers cert was returned as non Compliant as home frame is not welded to cross i-beam.<br> Disagree. The loan file contains an FHA Appraisal that reflects on page 142 Conditions of Appraisal "after acceptable compliance with the Permanent Foundations Guide for Manufactured Housing the subject dwelling complies to the FHA Minimum requirements set forth in Hand Book 4000.1 and all applicable mortgage letters." FHA does not require an Engineers Cert on Manufactured Housing, unless deficiencies are reported on the appraisal. The loan file did not contain an Engineers Cert, and it was not required to be provided to the lender. |  |  | 10/08/2021: Acknowledged by XXXXX XXX at XXXX | 10/08/2021: Acknowledged by XXXXX XXX at XXXX | Not Reviewed | Meets FHA minimum Manufactured Home requirements. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626471 | Compliance | Compliance | Resolved | Resolved | IOXIJG1R5WB-FR16UVJK | QM Points and Fees | \* QM Points and Fees (Lvl R) | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXX,XXX.XX or more, and the transaction's total points and fees is $X,XXX.XX, which exceeds 3 percent of the total loan amount of $XXX,XXX.XX. The following fees were included in the calculation: Mortgage Broker Fee (Indirect) $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. |  | 11/1/21 XXXXXX report provided. | 10/19/21 Not cleared. The provided XXXXXXX report did not test for QM Points&Fees. This loan has points and fees that exceed the points and fees threshold. The following fees were included in the calculation: Mortgage Broker Fee (Indirect) $X,XXX.XX Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation.<br>11/1/21 not cleared. Rate lock information provided does not include par/undiscounted interest rate. Pricing grid does not include picing beyond loan rate of 5.125%. If Discount Points are bonafide and excludable, providing the par (undiscounted) rate may cure the violation.<br>11/5/21 cleared. XXXXXXX report provided, FHA loan secured by manfuctured home. A mortgage for manufactured housing that is insured under Title II of the National Housing Act (12 U.S.C. 1701 et seq.) is a safe harbor qualified mortgage that meets the ability to repay requirements in 15 U.S.C. 1639c(a). | 10/19/21 Not cleared. The provided XXXXXX report did not test for QM Points&Fees. This loan has points and fees that exceed the points and fees threshold. The following fees were included in the calculation: Mortgage Broker Fee (Indirect) $X,XXX.XX Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation.<br>11/1/21 not cleared. Rate lock information provided does not include par/undiscounted interest rate. Pricing grid does not include picing beyond loan rate of 5.125%. If Discount Points are bonafide and excludable, providing the par (undiscounted) rate may cure the violation.<br>11/5/21 cleared. XXXXXX report provided, FHA loan secured by manfuctured home. A mortgage for manufactured housing that is insured under Title II of the National Housing Act (12 U.S.C. 1701 et seq.) is a safe harbor qualified mortgage that meets the ability to repay requirements in 15 U.S.C. 1639c(a). | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626472 | Credit | Doc Issue | Resolved | Resolved | 51054111-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | Per the Sched A on page 552, the proposed policy amount is $XXX,XXX.XX. The minimum policy amount is $XXX,XXX.XX |  |  | 2/25/2022: Resolved. Final Policy at the sufficient coverage received. | 2/25/2022: Resolved. Final Policy at the sufficient coverage received. | Validated | Final Title Policy reflects coverage of $XXX,XXX (p4 of Trailing docs). |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626472 | Credit | Doc Issue | Active | 3: Curable | 51054111-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl 3) | If evidence of insurance is missing, Seller or successor may estimate annual insurance premium by multiplying lesser of outstanding mortgage amount or property value by 0.05% $XXX,XXX.XX x 0.005 = $X,XXX.XX |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626476 | Compliance | Compliance | Active | 3: Curable | 24701266-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 3) | There is no evidence of an initial CD provided to the non-borrower. Per regulation, CD(s) must be provided to all who have the right to rescind. The defect can be resolved by providing evidence showing the non-borrower received the disclosure timely. If disclosure was received electronically, the Econsent is required as well. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626476 | Valuation | ValuationWaterfall | Active | 2: Acceptable with Warnings | 24701266-DBANIECF | Stated value not supported. 2nd value required. | \* Stated property value not supported. Secondary value required. (Lvl 2) | 801 Appraisal Waiver Stated Value $XXX,XXX.XX. Appraisal Rep & Warrant. |  |  |  |  | Not Reviewed | No comments provided regarding downgrading this condition. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626477 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 85167454-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX and XX/XX/XXXX were not accepted because a valid change of circumstance was not provided: Appraisal Fee and Transfer Taxes. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626478 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 3475623-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 2) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase of the following fee(s) was not accepted because a valid reason was not provided: XXXXXXX XXXXX Insurance (XX/XX/XXXX). A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626479 | Compliance | Disclosures | Active | 3: Curable | 78555547-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626479 | Compliance | Compliance | Active | 3: Curable | 78555547-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Appraisal fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626483 | Compliance | Disclosures | Active | 3: Curable | 50080034-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626484 | Valuation | ValuationWaterfall | Active | 2: Acceptable with Warnings | 23774229-DBANIECF | Stated value not supported. 2nd value required. | \* Stated property value not supported. Secondary value required. (Lvl 2) | 801 Appraisal Waiver Stated Value $XXX,XXX.XX. Appraisal Rep & Warrant. |  |  |  |  | Not Reviewed | No comments provided regarding downgrading this condition. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626487 | Credit | Credit | Active | 3: Curable | 86344039-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | Acceptable evidence of permanent residency issued by the United States Citizenship and Immigration Services (USCIS). The Customer Identification Verification form on page 441 shows the AZ DL and Resident Alien Card were used to verify the borrower's identity. These items are not in file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626492 | Compliance | Compliance | Active | 3: Curable | 2004252-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase/addition to the following fee(s) was not accepted because a valid reason was not provided: Title Notary/Mobile Fee(XX/XX/XXXX) and Reconveyance Fee(XX/XX/XXXX). A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626493 | Compliance | Compliance | Resolved | Resolved | 16259820-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Lock Extension. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626493 | Valuation | ValuationWaterfall | Active | 3: Curable | 16259820-DBANIECF | Stated value not supported. 2nd value required. | \* Stated property value not supported. Secondary value required. (Lvl 3) |  |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626493 | Valuation | Doc Issue | Resolved | Resolved | 16259820-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl R) | A full appraisal is required per DU and per guidelines. |  |  |  |  | Unvalidated | Appraisal not provided. No comments provided for Resolve status. | Compensating factors | BPO supports value. DTI = 36.41353; LTV = 79.69666; FICO = 792 | Clear | Unvalidated- Missing Appraisal. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626494 | Compliance | Compliance | Active | 3: Curable | 42311466-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: Recording Fee(XX/XX/XXXX. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626496 | Credit | Credit | Active | 3: Curable | 77595943-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | Missing LOE for credit inquiries. A letter of explanation that specifically addresses both the purpose and outcome of each inquiry, in the last 30 days of the credit report date, is required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626496 | Compliance | Compliance | Active | 3: Curable | 77595943-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The addition the following fee(s) was not accepted because a valid reason was not provided: Title - Recording Service Fee (XX/XX/XXXX). A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626496 | Compliance | Compliance | Active | 3: Curable | 77595943-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase of the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Rate Lock Extension. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626499 | Credit | Assets Insufficient | Active | 3: Curable | 59033330-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl 3) | Assets documented in file of $XX,XXX.XX; per the final CD $XXX,XXX.XX was required to close. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626501 | Compliance | Compliance | Active | 3: Curable | 94849683-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to / addition of the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points, Origination Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626501 | Compliance | Compliance | Active | 3: Curable | 94849683-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Addressed in separate category. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626502 | Credit | Credit | Resolved | Resolved | 4415899-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | As per the file property type is PUD with rider attached; however HOA statement is not provided in the loan file. Need HOA statement for PITI. |  |  |  |  | Validated | Located HOA on pages 185-184 main file. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626502 | Valuation | Doc Issue | Active | 3: Curable | 4415899-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 3) | Missing copy of the appraisal in the file. Signed property inspection waiver in the file, however the DU AUS in the file shows the subject loan is not eligible for a property inspection waiver. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626502 | Valuation | Doc Issue | Active | 3: Curable | 4415899-GJPBPN9X | Appraisal dated after closing | \* Appraisal dated after closing (Lvl 3) |  |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626503 | Valuation | Doc Issue | Resolved | Resolved | 36557765-GJPBPN9X | Appraisal dated after closing | \* Appraisal dated after closing (Lvl R) |  |  |  |  |  | Validated | Appraisal waiver approved according to LP (p207) and is allowed by guidelines. Appraisal was not obtained which is confirmed by the lack of an appraisal fee on the Closing Disclosure. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626503 | Compliance | Compliance | Active | 3: Curable | 36557765-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of Title- Endorsement Fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626504 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 77163685-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626504 | Compliance | Compliance | Active | 3: Curable | 77163685-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baseline: Points. The violation may be cured if documentation is provided showing the disclosure was delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626504 | Compliance | Compliance | Active | 3: Curable | 77163685-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the decrease to lender credits on XX/XX/XXXX did not reset the baseline. The violation may be cured if documentation is provided showing the disclosure was delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626504 | Compliance | Compliance | Active | 3: Curable | 77163685-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, 9/10/2020. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626505 | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | 48341478-QGZLW42M | Homeownership Counseling List | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626505 | Compliance | Compliance | Active | 3: Curable | 48341478-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CXX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626507 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 19465004-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626507 | Compliance | Compliance | Active | 3: Curable | 19465004-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, 07/30/2020. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626508 | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | 41110420-D8XPN8A0 | Doc Issue | \* Home Ownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed | Outside of statue of limitations. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626508 | Compliance | Compliance | Active | 3: Curable | 41110420-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) and the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $X.XX and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626508 | Compliance | Compliance | Active | 3: Curable | 41110420-YF1S1X5R | TRID- Initial LE timing fail | \* TRID- Initial LE timing fail (Lvl 3) | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626508 | Compliance | Compliance | Active | 3: Curable | 41110420-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626508 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 41110420-1E29A8UN | TRID- SPL late | \* TRID- SPL late (Lvl 2) | The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626509 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 50128144-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626509 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 50128144-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees was not accepted because the change was not disclosed within 3-business days: Points and Appraisal Re-inspection. The change to the Points occurred on XX/XX/XXXX; however, the disclosure was not issued until XX/XX/XXXX. The change to the appraisal re-inspection occurred on XX/XX/XXXX; however, the disclosure was not issued until XX/XX/XXXX. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing evidence that the change was disclosed within 3-business days. If curing with a reimbursement, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). Note: The full tolerance violation was $X,XXX.XX, but $XX.XX was cured at closing, so $X,XXX.XX remains. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626509 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 50128144-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626510 | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | 86262608-QGZLW42M | Homeownership Counseling List | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626510 | Compliance | Compliance | Active | 3: Curable | 86262608-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626511 | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | 85887135-QGZLW42M | Homeownership Counseling List | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626511 | Valuation | Value | Active | 3: Curable | 85887135-M0XGEFL4 | Quality of Appraisal Report Unacceptable | \* Quality of Appraisal Report Unacceptable (Lvl 3) | Appraised value is not supported, excessive adjustments. Comp 2 net and gross adjustments 38.5%, comp 3 net adjustments 29.4% and gross adjustments 42.4%, Comp 4 is a listing with net adjustments 23.8% and gross adjustments 90.5%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626511 | Credit | Credit | Active | 3: Curable | 85887135-08D7I9DC | Asset Verification insufficient | \* Asset Verification insufficient (Lvl 3) | Asset statement (pg 162) shows a large wire deposit in to XXX XXXXX XX checking account on XX/XX/XXXX for $XX,XXX.XX. The loan file is missing the source of the large wire deposit. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626511 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 85887135-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626512 | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | 33088414-QGZLW42M | Homeownership Counseling List | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626512 | Compliance | Compliance | Active | 3: Curable | 33088414-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii))The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626513 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 82822846-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626513 | Compliance | Compliance | Active | 3: Curable | 82822846-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Survey Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626514 | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | 86954188-QGZLW42M | Homeownership Counseling List | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626514 | Compliance | Compliance | Active | 3: Curable | 86954188-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Points and Transfer Taxes on disclosure XX/XX/XXXX was not accepted. Although the changes appear to be valid, because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626514 | Compliance | Compliance | Active | 3: Curable | 86954188-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 3) | A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626514 | Compliance | Compliance | Active | 3: Curable | 86954188-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626515 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 58924347-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626515 | Compliance | Compliance | Active | 3: Curable | 58924347-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 3) | A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626515 | Compliance | Compliance | Active | 3: Curable | 58924347-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626515 | Compliance | Compliance | Active | 3: Curable | 58924347-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Discount Point. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626517 | Valuation | Property | Active | 3: Curable | 46740963-7QGY2J7Z | Completed "Subject To" w/o Compltn Cert in File | \* Completed "Subject To" w/o Compltn Cert in File (Lvl 3) | The cert of completion is not in file. There were security bars on the first floor windows that needed to be removed or replaced with safety latches. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626519 | Valuation | Doc Issue | Active | 3: Curable | 99423107-GJPBPN9X | Appraisal dated after closing | \* Appraisal dated after closing (Lvl 3) |  |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626522 | Compliance | Compliance | Active | 3: Curable | 96362438-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX and XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Discount Points and Appraisal Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). " |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626523 | Compliance | Compliance | Active | 3: Curable | 36180456-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test.<br>Although the addition/increase may be valid, because a COC was not provided, auditor is unable to determine if the revised CD issued on XX/XX/XXXX was disclosed within 3 business days of the change. Therefore, the increase to/addition of the following fees was not accepted: Points, Title Abstract. A cost to cure in the amount of $XXX.XX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626523 | Credit | Doc Issue | Active | 3: Curable | 36180456-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl 3) | Title commitment in the file shows the policy amount of $XXX,XXX.XX, which is below the loan amount of $XXX,XXX.XX. Missing evidence of the final title policy to verify sufficient coverage. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626523 | Credit | Credit Worthiness | Resolved | Resolved | 36180456-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | Per the credit report on file, XXXXXXXX XX XXX #XXXX opened on XX/XX/XXXX and last reported XX/XX/XXXX. No issue. |  |  |  |  | Validated | Credit report validates payment history |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626526 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 7562635-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 2) | A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626526 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 7562635-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, corrected PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626527 | Compliance | Compliance | Resolved | Resolved | PZQCMRE1RM4-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl R) | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1). The finance charge is $XX,XXX.XX. The disclosed finance charge of $XX,XXX.XX is not considered accurate because it is understated by more than $XXX. The loan is understated by $X,XXX.XX. The following fees were included in the calculation: Points - Loan Discount Fee paid by Borrower: $2,620.50, Title- Settlement Fee paid by Borrower: $XXX.XX, Condo Questionnaire/Condo Cert Fee paid by Borrower: $XXX.XX, Fraud Review Fee paid by Borrower: $XXX.XX, MERS Registration Fee paid by Borrower: $XX.XX, Prepaid Interest paid by Borrower: $XXX.XX, Tax Service Fee paid by Borrower: $XX.XX, Title- Closing Protection Letter paid by Borrower: $XX.XX, Title- Courier Fee/Wire Fee paid by Borrower: $XX.XX, Underwriting Fee paid by Borrower: $X,XXX.XX. The defect can be cured by reimbursing the consumer or providing informaton as to why the violation is invalid. The index used for testing is 0.338%. |  | Index provided | 11/12/21 Not cleared. The loan review was completed using 12 month LIBOR. The index used for testing was 0.459%. If this index differs, please provide the most accurate index. 11/18/21 Cleared. The index provided (0.338) cleared the violation. | 11/12/21 Not cleared. The loan review was completed using 12 month LIBOR. The index used for testing was 0.459%. If this index differs, please provide the most accurate index. 11/18/21 Cleared. The index provided (0.338) cleared the violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626527 | Compliance | Compliance | Resolved | Resolved | PZQCMRE1RM4-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $X.XX and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. |  |  | 11/01/2021 acknowledged by XXXXXXXXX XXXXXX (XXX XXXX XXXXXXXX XXXXX) | 11/01/2021 acknowledged by XXXXXXXXX XXXXXX (XXX XXXX XXXXXXXX XXXXX) | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626527 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | PZQCMRE1RM4-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626527 | Credit | Credit | Resolved | Resolved | PZQCMRE1RM4-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl R) | No issue, asset requirements are 30 days, documentation meets requirements. |  |  |  |  | Validated | Comments indicate no issue. Bank statements in file. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626527 | Credit | Doc Issue | Resolved | Resolved | PZQCMRE1RM4-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl R) | The loan file did not contain evidence of the amount of dwelling coverage for the interior of the dwelling. The loan file contained the Condos Master Policy on p 829, which does not reflect walls in coverage. The loan file also contained an email note on p843 from an agent with XXXXXXXX, showing the property is insured, but is missing the dwelling/interior coverage as required. |  |  |  |  | Validated | Walls in policy on p841. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626527 | Compliance | Disclosures | Resolved | Resolved | PZQCMRE1RM4-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. |  |  | 11/01/2021 acknowledged by XXXXXXXXX XXXXXX (XXX XXXX XXXXXXXX XXXXX) | 11/01/2021 acknowledged by XXXXXXXXX XXXXXX (XXX XXXX XXXXXXXX XXXXX) | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626527 | Compliance | Compliance | Active | 2: Acceptable with Warnings | PZQCMRE1RM4-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626527 | Credit | Credit | Resolved | Resolved | PZQCMRE1RM4-GQTT58C6 | Pre-disclosed Exception | \* Pre-disclosed Exception (Lvl R) | Stated Defect:LIBOR Arms no longer eligible for sale Unable to determine- Agree that subject loan is a 5/1 Libor Arm |  |  | 11/01/2021 acknowledged by XXXXXXXXX XXXXXX (XXX XXXX XXXXXXXX XXXXX) | 11/01/2021 acknowledged by XXXXXXXXX XXXXXX (XXX XXXX XXXXXXXX XXXXX) | Validated | Finding was acknowledged. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626531 | Credit | Doc Issue | Active | 3: Curable | 60587737-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl 3) | HOI policy available in file is valid till XX/XX/XXXX and loan closed date was XX/XX/XXXX. Provide HOI policy at the time of closing. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626536 | Credit | Eligibility | Active | 3: Curable | 10814450-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 3) | Loan Disposition and General Review Comments reflected a stated defect due to B2 being unemployed on XX/XX/XXXX prior to the subject closing on XX/XX/XXXX (Pg 223) per a TWN/VOE (Pg 455), furlough from XX/XX/XXXX-XX/XX/XXXX (Pg 259), excluding the B2 income the DTI increased to 59.86% per the comment. However, per the review excluding the B2 wage income the DTI increased to 73.032%. There is an installment loan with a $XXX.XX monthly payment disclosed on the 1003 (Pg 427) which does not appear on the credit report in the file (Pg 110), this obligation was included at review but the documentation to validate the payment is missing. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626536 | Credit | DTI | Active | 3: Curable | 10814450-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl 3) | Loan Disposition and General Review Comments reflected a stated defect due to B2 being unemployed on XX/XX/XXXX prior to the subject closing on XX/XX/XXXX (Pg 223) per a TWN/VOE (Pg 455), furlough from XX/XX/XXXX-XX/XX/XXXX (Pg 259), excluding the B2 income the DTI increased to 59.86% per the comment. However, per the review excluding the B2 wage income the DTI increased to 73.032%. There is an installment loan with a $XXX.XX monthly payment disclosed on the 1003 (Pg 427) which does not appear on the credit report in the file (Pg 110), this obligation was included at review but the documentation to validate the payment is missing. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626536 | Compliance | Doc Issue | Active | 3: Curable | 10814450-6NDA6LM2 | ROR | \* ROR H9 form for the same Lender refinance was missing (Lvl 3) | The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (new advance of money with the same creditor). Model H-8 was provided; however, because the property is located in NJ (Third Circuit Court), model H-9 should have been used. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626539 | Compliance | Compliance | Active | 3: Curable | 51RR2N1BNAW-ALRISXDQ | ComplianceEase State Regulations Test Failed | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the first lien origination fee test. (MRS § 408.052. 1.) The loan charges more than a 1% origination fee (whether from the buyer or the seller). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626541 | Valuation | Value | Active | 3: Curable | 21213279-M0XGEFL4 | Quality of Appraisal Report Unacceptable | \* Quality of Appraisal Report Unacceptable (Lvl 3) | Appraised value is not supported. The comparable sales have excessive adjustments. Comp 2 net adjustment 27.1% and gross adjustment 38.6%. Comp 3 net adjustment 48.8% and gross adjustment 70.6%. Comps 5 & 6 are listings. In addition, the property is marked as 1-unit with accessory unit but the addendum states it is a duplex. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626541 | Credit | Credit | Active | 3: Curable | 21213279-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | Missing LOE for credit inquiries. A letter of explanation that specifically addresses both the purpose and outcome of each inquiry, in the last 30 days of the credit report date, is required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626544 | Credit | Credit | Active | 3: Curable | 42338495-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | Missing LOE for credit inquiries. A letter of explanation that specifically addresses both the purpose and outcome of each inquiry, in the last 30 days of the credit report date, is required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626544 | Credit | Credit | Active | 3: Curable | 42338495-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 3) | Page 4 of the final 1003 is missing from the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626545 | Credit | Title Issue | Active | 3: Curable | 68116750-3MGROFI3 | Title issue | \* Title issue (Lvl 3) | The subject loan was closed as a cash out refinance of an owner occupied property. There was no evidence in the file the borrower had any vested ownership interest in the subject property. The loan file contained a Grant Deed dated the same day as closing adding the borrower and the non-borrowing spouse to title as joint tenants in common with 50% interest. The evidence of insurance reflected the borrower and non-borrowing spouse were added to the policy 8 days prior to closing. The payoff statement for the current mortgage was not in the borrowers name, which is supported by the credit report and the lack of a mortgage tradeline reporting. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626545 | Credit | Doc Issue | Resolved | Resolved | 68116750-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl R) | The loan file did not contain any preliminary title reports, dated prior to closing. The borrowers vested ownership in the subject property was not verified. |  |  |  |  | Validated | Preliminary Title not provided. No comments provided for Resolved status. | Final title policy provided. No title issues. | N/A | Clear | Validated<br> Final title on p716 of loan file. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626545 | Credit | Credit Worthiness | Resolved | Resolved | 68116750-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | Guidelines to do not require housing history to be verified. |  |  |  |  | Unvalidated | No documentation provided for housing history. No comments provided for Resolved Status. | Guidelines do not require payment history verification | N/A | Clear | Unvalidated<br> Guidelines section "Housing Payment History" indicates mortgage history and/or rental history, must be verified for the most resent 12 months. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626545 | Credit | Eligibility | Resolved | Resolved | 68116750-4HICM5S5 | Purpose does not meet eligibility requirement(s) | \* Purpose does not meet eligibility requirement(s) (Lvl R) | The subject loan was closed as a cash out refinance of an owner occupied property. There was no evidence in the file the borrower had any vested ownership interest in the subject property. Per the guidelines, the subject property must currently be owned by the borrower in order to complete a refinance transaction. The loan file contained a Grant Deed dated the same day as closing adding the borrower and the non-borrowing spouse to title as joint tenants in common with 50% interest. The evidence of insurance reflected the borrower and non-borrowing spouse were added to the policy 8 days prior to closing. The payoff statement for the current mortgage was not in the borrowers name, which is supported by the credit report and the lack of a mortgage tradeline reporting. |  |  |  |  | Unvalidated | No comments provided to indicate how the finding was resolved. | Supporting documentation provided. | N/A | Clear | Unvalidated<br> No supporting documentation provided. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626548 | Compliance | Compliance | Active | 3: Curable | 97555833-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) Although evidence was provided showing the consumer received the disclosure electronically, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. " |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626548 | Compliance | Disclosures | Active | 3: Curable | 97555833-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626549 | Valuation | ValuationWaterfall | Active | 3: Curable | 58983944-DBANIECF | Stated value not supported. 2nd value required. | \* Stated property value not supported. Secondary value required. (Lvl 3) |  |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626551 | Compliance | Compliance | Active | 3: Curable | 62940519-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX1. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626552 | Compliance | Compliance | Active | 3: Curable | 45409159-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the decrease to lender credits on XX/XX/XXXX did not reset the baseline. The violation may be cured if documentation is provided showing the disclosure was delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626552 | Compliance | Compliance | Active | 3: Curable | 45409159-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626555 | Credit | Assets Insufficient | Active | 3: Curable | 15956996-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl 3) | Page 44 1003 Proceeds from sale of Non- Real Estate Asset $XXX,XXX.XX - documentation not in file. Short to close approx $XXX,XXX.XX |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626556 | Credit | Doc Issue | Active | 3: Curable | 95214412-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl 3) | Title Commitment in the file shows the policy amount of $XXX,XXX.XX, which is less than the loan amount of $XXX,XXX.XX. Missing evidence of the final title policy to verify sufficient title coverage. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626566 | Credit | Credit | Active | 3: Curable | 66721085-09KF6484 | Missing Appraisal | \* Missing Appraisal (Lvl 3) | The full appraisal or the PIW is missing from the current loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626566 | Valuation | Doc Issue | Active | 3: Curable | 66721085-4M12HOPC | Appraisal not dated | \* Appraisal not dated (Lvl 3) | Missing Appraisal from file |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626568 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 12202242-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The Increase to the Mortgage Insurance fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626572 | Credit | Credit | Resolved | Resolved | 8631891-HZ5671LK | Missing Doc | \* Missing Doc (Lvl R) | Missing mortgage statements and tax and insurance information for Primary residence at XXX XXX XXXX and rental property at XXX X XXXXXXXXX. Missing tax and insurance information for free & clear properties at XXX X XXXXXXXXX and XX XXXXXX XXXX XXXX. Documentation is required to validate accurate DTI calculations. |  | 6/16/22 - XXXXXXX to review. <br>XXX X XXXXXXXXX, XXXXX PA XXXXX - According to 1003, mortgage balance is $XXX. According to credit report, this loan has monthly payment of $X,XXX.XX. Annual property tax = $X,XXX.XX or $XXX/mo per Zillo. Annual insurance = $X,XXX.XX or $XXX/mo based on 0.5% of $XXXX property value. See Zillow printout attached. <br>XXX XXX XXXX, XXXXX, PA XXXXX - According to 1003, mortgage balance is $XXXX. According to credit report, this loan has monthly payment of $X,XXX. Annual property tax = $X,XXX or $XXX/mo per Zillow. Annual insurance = $X,XXX or $XXX/mo based on 0.5% of $XXXX property value. See Zillow printout attached. | 6/17/2022: Resolved. Received taxes from Zillow for the primary at XXX XXX XX and the rental property at XXX X XXXXXXXXX. <br>Remains: Did not receive insurance for XXX XXX or XXX X XXXXXXXXX as well we are missing taxes and insurance for the free and clear properties at XXX X XXXXXXXXX and XX XXXXXX XXXX XXXX. Documentation is required to validate accurate DTI calculations. Unable to verify that using an estimated premium for HOI is acceptable. <br>| 6/17/2022: Resolved. Received taxes from Zillow for the primary at XXX XXX XX and the rental property at XXX X XXXXXXXXX. <br>Remains: Did not receive insurance for XXX XXX or XXX X XXXXXXXXX as well we are missing taxes and insurance for the free and clear properties at XXX X XXXXXXXXX and XX XXXXX XXXX XXXX. Documentation is required to validate accurate DTI calculations. Unable to verify that using an estimated premium for HOI is acceptable. <br>| Unvalidated | The file did include a mortgage statement printout of the primary residence on p670 but no other missing documents were provided. | XXX X XXXXXXXXX, XXXXX PA XXXXX - According to 1003, mortgage balance is $XXX. According to credit report, this loan has monthly payment of $X,XXX. Annual property tax = $X,XXX or $XXX/mo per Zillo. Annual insurance = $X,XXX or $XXX/mo based on 0.5% of $XXXX property value. See Zillow printout attached. | N/A | See uploaded/attached docs | Unvalidated<br> Documentation of property taxes for XXX XXX XXXX and XXX X. XXXXXXXXX were provided with breakdown/logic for XXX X. XXXXXXXXX which is accepted.<br> No documentation provided for XXX X. XXXXXXXXX and XX XXXXX XXXX XXXX. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626574 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 52896462-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX.XX. The loan is understated by $XXX.XX. The following fees were included in the calculation: Condo Project Review Fee $XXX.XX, Flood Certification - Single Charge or Life of Loan $XX.XX, Prepaid Interest $XXX.XX, Processing Fee $X,XXX.XX, Tax Service Fee $XX.XX, Title- Closing Protection Letter $XXX.XX, Title- E- Doc Delivery $XX.XX, Title- Express Mail Fee $XX.XX, Title- Incoming Wire Fee $XX.XX, Title- Settlement Fee $XXX.XX. The defect can be cured by reimbursing the consumer or providing information as to why the violation is invalid. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626574 | Compliance | Compliance | Active | 3: Curable | S3S0GWNGJRD-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 3) | Missing documentation to evidence a copy of an appraisal was provided to the Borrower at least 3-days prior to the subject closing, even if there is a signed waiver in the file (Pg 314). |  |  |  |  | Not Reviewed |  | XXX X XXXXXXXXX, XXXXX PA XXXXX - According to 1003, mortgage balance is $XXX. According to credit report, this loan has monthly payment of $X,XXX. Annual property tax = $X,XXX or $XXX/mo per Zillo. Annual insurance = $X,XXX or $XXX/mo based on 0.5% of $XXXX property value. See Zillow printout attached. |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626574 | Credit | Insurance | Active | 3: Curable | 52896462-7V8G8MVK | HOI | \* Hazard Insurance (Lvl 3) | HOI for subject property XXX X XXXXXXXXX XXX. coverage dwelling is $XX,XXX.XX. The required coverage amount is $XXX,XXX.XX. An updated HOI document showing the required coverage is needed. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626574 | Credit | Guidelines | Active | 3: Curable | S3S0GWNGJRD-MSMT4EJC | Bankruptcy History does not meet guidelines | \* Bankruptcy History does not meet guidelines (Lvl 3) | Chapter 13 Bankruptcy discharged XX/XX/XXXX (Pg 9, 217). Bankruptcy seasoning was 9.75 months which was less than the requirement minimum 2 years per XXXX Non-QM Mortgage Plus Guidelines - 4.1.21 v.1.6 Matrix page 2. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626575 | Credit | Credit Documents | Active | 3: Curable | 26382089-HSY8V866 | Validation of primary residence - Missing | \* Validation of primary residence - Missing (Lvl 3) | Missing evidence of taxes and insurance for primary residence located at XXX XXX XXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626576 | Credit | Guidelines | Active | 3: Curable | T40XOVQX1ID-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl 3) | The borrowers business income was not accurately verified. The file is missing the business tax transcripts/business returns to support the monthly income of $XXX,XXX.XX. Audit used income based on the 1008 and Final 1003. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626576 | Credit | Insurance | Active | 3: Curable | T40XOVQX1ID-7V8G8MVK | HOI | \* Hazard Insurance (Lvl 3) | The subject property HOI was on file however, the estimated total premium was not provided on form. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626576 | Credit | Underwriting | Resolved | Resolved | T40XOVQX1ID-JH48LW86 | VVOE > 10 days prior to Note date | \* VVOE > 10 days prior to Note date (Lvl R) | On the VOE it states the 3rd party used to obtain the telephone number of the employer was provided by the borrower. This is not an acceptable 3rd party source. |  | Guidelines allow Yelp printout as evidence of self employment. Attached, see Yelp print out provided for XXXXXXX XXXXXXXXX | 6/17/2022: Resolved. Received validation of the phone number through YELP in conditions folder. | 6/17/2022: Resolved. Received validation of the phone number through YELP in conditions folder. | Validated | Yelp info in the file. VVOE p133 dated XX/XX/XXXX. Note date XX/XX/XXXX. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626577 | Credit | Credit | Resolved | Resolved | 91976708-PXITUQYJ | 1003 Application [information not provide] | \* 1003 Application [information not provide] (Lvl R) |  |  |  |  |  | Unvalidated | Initial 1003 was not provided. Only the final 1003 was in the loan file. | Final 1003 is acceptable in lieu of initial 1003 | N/A | Clear | Unvalidated<br> Lender guidelines section "Mortgage File Documentation", requires all documents listed under Exhibit 2 to be delivered to XXXX. Exhibit 2 includes the signed initial and final loan application. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626577 | Compliance | Disclosures | Active | 3: Curable | 91976708-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The initial 1003 is missing. Unable to determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Home Loan Toolkit, Homeownership Counseling Disclosure. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626577 | Compliance | Compliance | Active | 3: Curable | 1LHKD4V1XIA-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 3) | The initial and/or any revised CDs are missing from the file. As a result the following reviews could not be performed: TILA Accuracy, QM Testing, Federal and State Testing, tolerance violation review, and final Closing Disclosure accuracy. The defect can be cured by provided the Closing Disclosures that were issued to the consumer. In addition, evidence that the initial was received by the consumer at least 3-business days prior to the consummation date XX/XX/XXXX is required. |  | 12/21/2021 CD issued XX/XX/XXXX provided. | 12/22/2021 Cleared. The documentation provided is sufficient to resolve the finding.<br>5/23/2022 Remains. The CD dated XX/XX/XXXX and executed XX/XX/XXXX was previously provided and provided again today. The loan is failing the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. | 12/22/2021 Cleared. The documentation provided is sufficient to resolve the finding.<br>5/23/2022 Remains. The CD dated XX/XX/XXXX and executed XX/XX/XXXX was previously provided and provided again today. The loan is failing the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626577 | Credit | Underwriting | Resolved | Resolved | 1LHKD4V1XIA-JH48LW86 | VVOE > 10 days prior to Note date | \* VVOE > 10 days prior to Note date (Lvl R) | VVOE within 10 business days of the Note date was missing. (this is not required guidelines are for VOE within 60 days deleting finding) |  |  | 6/22/2022: Resolved. Guidelines allow VVOE within 60 days of the Note. | 6/22/2022: Resolved. Guidelines allow VVOE within 60 days of the Note. | Validated | Most recent GL available are dated XX/XX/XXXX which require VVOE to be dated within 45 days of the Note date (XX/XX/XXXX). WVOE dated XX/XX/XXXX meets 45/60 day requirement. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626579 | Credit | Credit | Active | 3: Curable | OZUFLTGDQA2-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl 3) | The borrower closing costs funds came from the XXXXi Business account for the XXXXXXX XXXXXXXX XXXXXXXXX. However, a letter was missing from a licensed tax professional the withdrawal of funds will not have a negative impact on the business. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626581 | Valuation | Property | Active | 3: Curable | 47105093-58JOOK9B | Property Marketability Issues | \* Property Marketability Issues (Lvl 3) | Appraisal shows multiple settlement cracks both on the interior and exterior, as well as multiple cracks in the foundation with no repairs required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626583 | Compliance | Compliance | Active | 3: Curable | 43085255-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626583 | Compliance | Compliance | Active | 3: Curable | 43085255-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase/addition to the Points and Rate Lock Fee on disclosure XX/XX/XXXX was not accepted. Although the changes appear to be valid, because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626585 | Credit | Doc Issue | Resolved | Resolved | XKW2Z1QGMAY-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl R) | The homeowners' declaration page is not in the current loan file |  | 1/27/2022: Provided HOI | 1/27/2022: Cleared. Received HOI. | 1/27/2022: Cleared. Received HOI. | Validated | HOI found in trailing docs, page 42 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626587 | Compliance | Compliance | Active | 3: Curable | 3666466-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase of the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fees. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626592 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 45795845-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 2) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: Recording Fee (XX/XX/XXXX). A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626594 | Credit | Insurance | Active | 3: Curable | 67766587-7V8G8MVK | HOI | \* Hazard Insurance (Lvl 3) | Per the HOI documentation on file the subject property (XXXX XXXXX XX.) HOI coverage amount is $XXX,XXX.XX0. The required hazard amount is $XXX,XXX.XX. An updated HOI document is needed supporting the required amount. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626595 | Credit | Doc Issue | Resolved | Resolved | A4DB25CWDNM-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl R) | The final CD on page 233 reflects a 12 month premium. The evidence of hazard insurance is missing from the loan file. |  |  | 2/14/2022: Remains. the HOI documentation was not received. <br> 3/2/2022: Resolved: HOI received | 2/14/2022: Remains. the HOI documentation was not received. <br> 3/2/2022: Resolved: HOI received | Validated | HOI found in trailing docs, page 37 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626595 | Compliance | Disclosures | Resolved | Resolved | A4DB25CWDNM-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii). Although evidence was provided showing the consumer received the emailed disclosures, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. |  | E-Consent dated XX/XX/XXXX | 2/15/2022 Cleared. The E-Consent dated XX/XX/XXXX resolved the RESPA disclosure. | 2/15/2022 Cleared. The E-Consent dated XX/XX/XXXX resolved the RESPA disclosure. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626595 | Compliance | Compliance | Resolved | Resolved | A4DB25CWDNM-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the revised LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baseline: Points - Loan Discount Fee and Appraisal Fee. The violation may be cured if documentation is provided showing the disclosure was delivered timely. |  | E-Consent and LE e-signed on XX/XX/XXXX | 2/15/2022 Cleared. The E-Consent and LE e-signed on XX/XX/XXXX resolved the tolerance fail. | 2/15/2022 Cleared. The E-Consent and LE e-signed on XX/XX/XXXX resolved the tolerance fail. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626595 | Compliance | Compliance | Resolved | Resolved | A4DB25CWDNM-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl R) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii). Although evidence was provided showing the consumer received the disclosure electronically, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. |  | E-Consent dated XX/XX/XXXX | 2/15/2022 Cleared. The E-Consent resolved the initial CD delivery date test fail. | 2/15/2022 Cleared. The E-Consent resolved the initial CD delivery date test fail. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626598 | Credit | AUS | Resolved | Resolved | 31796936-DL3LKV6A | AUS: File does not contain all AUS Reports run | \* AUS: File does not contain all AUS Reports run (Lvl R) | The 1008 shows loan was approved by DU with a 93.06% DTI ratio. The DU Approve Eligible XXXXXXXXXX is missing from the file. |  |  |  |  | Validated | AUS not required per GL |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626598 | Credit | Credit | Resolved | Resolved | 31796936-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl R) | The total DTI calculated is 66.4%. The maximum allowed DTI per the Matrix and Summary Guidelines is 60%. The 1008 shows loan was approved by DU with a 93.06% DTI ratio, and conditions for a full written VOE. Both the DU and the WVOE are missing from the file. |  |  |  |  | Unvalidated | DTI exceeds max allowed by guidelines. No comments provided for Resolved status. | Compensating factors | DTI is within acceptable parameters. Loan is perfroming. Reserves = 119853.88; LTV = 80; FICO = 761 | Clear | ??? Check DU in file. 93.06% DTI??? |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626598 | Credit | Eligibility | Active | 3: Curable | 31796936-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 3) | The total DTI calculated is 66.4%. The maximum allowed DTI per the Matrix and Summary Guidelines is 60%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626598 | Credit | DTI | Active | 3: Curable | 31796936-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl 3) | The total DTI calculated is 66.4%. The maximum allowed DTI per the Matrix and Summary Guidelines is 60%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626598 | Credit | Credit | Resolved | Resolved | 31796936-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | Missing the full written VOE as required per the underwriter notes on the 1008. There are no income documents in the file, used the stated income from the 1008. |  |  |  |  | Unvalidated | No comments provided as to how the VOE was resolved. There was nothing in the trailing documents related to a VOE. | Compensating factors | DTI is within acceptable parameters. Loan is perfroming. Reserves = 119853.88; LTV = 80; FICO = 761 | Clear | ??? Check DU in file. 93.06% DTI??? |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626598 | Credit | Income | Resolved | Resolved | 31796936-7ZU2HIM5 | Missing sufficient employment documentation (ATR) | \* Missing sufficient employment documentation (ATR) (Lvl R) | Missing a VVOE or other verification of employment. There are no income or employment documents in the file. |  |  |  |  | Unvalidated | No employment verification found in trailing docs. | Compensating factors | DTI is within acceptable parameters. Loan is perfroming. Reserves = 119853.88; LTV = 80; FICO = 761 | Clear | ??? Check DU in file. 93.06% DTI??? |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626598 | Credit | Doc Issue | Resolved | Resolved | 31796936-084LDYCE | VOM or VOR missing/required | \* VOM or VOR missing/required (Lvl R) | VOR is missing for borrowers primary residence XXX XXXXXXXX XXX. |  |  |  |  | Unvalidated | VOR for XXXXXXX XXX is missing. | Compensating factors | DTI is within acceptable parameters. Loan is perfroming. Reserves = 119853.88; LTV = 80; FICO = 761 | Clear | VOR? Review |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626599 | Credit | Income | Active | 3: Curable | 54937230-7ZU2HIM5 | Missing sufficient employment documentation (ATR) | \* Missing sufficient employment documentation (ATR) (Lvl 3) | For B2 Employment- Need W2's for the year XXXX, XXXX as same both are missing from the file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626600 | Compliance | Compliance | Resolved | Resolved | M4LB3QKGLMZ-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl R) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. The loan is understated by $XXX.XX. The following fees were included in the calculation: Flood Certification - Initial Fee paid by Borrower: $X.XX <br> Loan Origination Fee paid by Borrower: $XXX.XX, Mortgage Broker Fee paid by Borrower: $X,XXX.XX, Prepaid Interest paid by Borrower: $XXX.XX, Rate Lock Fee paid by Borrower: $XXX.XX<br> Tax Service Fee paid by Borrower: $XX.XX, Title- Closing Fee paid by Borrower: $XXX.XX. The defect can be cured by reimbursing the consumer or providing informaton as to why the violation is invalid. |  | 12/13/2021 Itemization of lender credit provided. | 12/23/2021 Cleared. The documentation provided is sufficient to resolve the finding. | 12/23/2021 Cleared. The documentation provided is sufficient to resolve the finding. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626600 | Credit | Income | Resolved | Resolved | 86373779-SA3HBHSH | Employment / Income | \* Employment History Does Not Meet Guides (Lvl R) | Missing income documentation per AUS in file. |  |  |  |  | Unvalidated | No comments provided as to how the missing income issue was resolved. There was nothing in the trailing documents related to income. | Supporting documentation provided. DTI = 40.33309; LTV = 74.77218 | N/A | Clear | Unvalidated<br> Supporting documentation was not provided. Income documentation was not found in a re-review of the loan file and trailing file. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626600 | Credit | Guidelines | Active | 3: Curable | 86373779-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl 3) | Missing verbal verification of employment within 10 days of the Note per Guidelines. Missing letter of explanation of employment gap as referenced on the 1008 and lack of employment information on the 1003 |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626602 | Compliance | Compliance | Active | 3: Curable | 96385016-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 3) | This loan failed the revised Closing Disclosure delivery date test (waiting period required). An APR change required a revised Closing Disclosure. The Revised CD issued on XX/XX/XXXX is above the allowable tolerance (0.125%/0.25% (if ARM)). The revised CD issued on XX/XX/XXXX had an APR of 3.882% which is an increase from the previous CD issued on XX/XX/XXXX1 with an APR of 3.164%. The APR increased by 0.718% which is above the allowable tolerance. The Revised CD issued on XX/XX/XXXX and received on XX/XX/XXXX was not received by the borrower at least three business days prior to the Consummation Date, . |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626604 | Compliance | Compliance | Active | 3: Curable | 21619611-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Discount Point. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer, corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626604 | Credit | Credit | Active | 3: Curable | 21619611-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | Need tax cert for the property XXXXX XXXXX XX XXXX XXXXX VA XXXXX as it is missing in the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626604 | Credit | Credit | Active | 2: Acceptable with Warnings | 21619611-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl 2) | The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB finding |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626605 | Valuation | Property | Active | 3: Curable | 5158656-7QGY2J7Z | Completed "Subject To" w/o Compltn Cert in File | \* Completed "Subject To" w/o Compltn Cert in File (Lvl 3) | Appraisal in file is subject to completion. Missing completion cert. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626606 | Credit | Credit | Resolved | Resolved | 43909762-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | missing mortgage statement or verification of PITI for primary residence: XXXXX XXX XXXXX XXXXX |  |  | 6/17/2022: Resolved. Received Zillow to validate taxed for property <br>Remains: Need validation of HOI premium to determine final DTI. Unable to verify that using an estimated premium for HOI is acceptable. | 6/17/2022: Resolved. Received Zillow to validate taxed for property <br>Remains: Need validation of HOI premium to determine final DTI. Unable to verify that using an estimated premium for HOI is acceptable. | Validated | Document provided |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626606 | Valuation | Property | Active | 3: Curable | 43909762-WF7LVCT1 | Property Type unacceptable under guidelines | \* Property Type unacceptable under guidelines (Lvl 3) | Appraiser noted that 1% commercial space consist of a rental desk area and pool side tikki bar & grill possibly indicating that property is a Condo-Hotel not allowed per XXXX guidelines. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626606 | Valuation | Value | Active | 2: Acceptable with Warnings | 43909762-K0LQ7SI2 | Property value and predominant value vary by more | \* Property value and predominant value vary by more than 50% (Lvl 2) | Predominant Value correct per appraisal report. |  |  |  |  | Not Reviewed | No comments provided regarding downgrading this condition. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626609 | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | 35199589-QGZLW42M | Homeownership Counseling List | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626609 | Valuation | Property | Active | 3: Curable | 35199589-FSPW8MVQ | Property Issues indicated | \* Property Issues indicated (Lvl 3) | Property was completed "as-is" however, there is no kitchen, home appears to be completely gutted and not in livable conditions as noted by appraiser. There is no current verification that they house was completed. Appraiser noted mulitple issues with property. Property does not meet agency guidelines.<br> Per guidelines, Rural properties permitted subject to the following requirements:<br> • Principal residence only<br> • Property cannot be agricultural or be income producing<br> This is not the primary residence. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626609 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 35199589-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitations has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626612 | Credit | Credit Documents | Active | 3: Curable | 46465075-N0AFQ8X3 | Valid ID - Missing | \* Valid ID - Missing (Lvl 3) | Per the final 1003 p.659, both borrowers are Non-Permanent Resident Aliens. The XXXX Guidelines p.21, proof the borrowers are authorized to live and work in the U.S. on a temporary basis. The loan file is missing documentation to verify both borrowers are authorized to live and work in the U.S. on a temporary basis. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626613 | Valuation | Doc Issue | Active | 3: Curable | 6801404-96LOWOEG | Subject or Comp Photos are missing or illegible | \* Subject or Comp Photos are missing or illegible (Lvl 3) | Photos of the subject property back or side and street views are missing from the appraisal provided in the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626614 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 24995711-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX and XX/XX/XXXX because a valid change of circumstance was not provided: Appraisal Fee and Credit Report Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626615 | Credit | Credit | Active | 3: Curable | 4PR44FG1OO3-H681KWJV | Right to receive copy of appraisal is Missing | \* Right to receive copy of appraisal is Missing (Lvl 3) | Missing the right to receive a copy of the appraisal disclosure. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626616 | Credit | Insurance | Active | 3: Curable | 66284765-7V8G8MVK | HOI | \* Hazard Insurance (Lvl 3) | Need updated HOI Policy having mortgagee clause as "XXXXXXX XXXXX XXX, XXXXXX XXXXX". |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626616 | Credit | Guidelines | Active | 3: Curable | 66284765-E7DONNTT | Credit history does not meet guidelines | \* Credit history does not meet guidelines (Lvl 3) | Per Guidelines At least two (2) years must have elapsed since bankruptcy discharge or dismissal, foreclosure, deed-in-lieu, short sale, modification or 1x120; measured from the date of discharge, dismissal or completion to the Mortgage Note Date. Borrower had Short sale and 1x120 XX/XXXX, which is 19 months seasoning |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626617 | Valuation | Doc Issue | Resolved | Resolved | 16367744-4M12HOPC | Appraisal not dated | \* Appraisal not dated (Lvl R) | Appraisal present reap and warrant No action required |  |  |  |  | Validated | Appraisal was not provided. Final CD does not reflect an appraisal fee being charged. AUS approved a property inspection waiver. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626617 | Compliance | Compliance | Active | 2: Acceptable with Warnings | PUCKRA2ZJ1X-J3GKFTVC | ComplianceEase Exceptions Test Incomplete | \* ComplianceEase Exceptions Test Incomplete (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. Licensing issue. Out of scope. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626617 | Compliance | Compliance | Active | 2: Acceptable with Warnings | PUCKRA2ZJ1X-TRKLWKHN | ComplianceEase Risk Indicator is "Moderate" | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. Licensing issue. Out of scope. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626617 | Compliance | Compliance | Active | 2: Acceptable with Warnings | PUCKRA2ZJ1X-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. Licensing issue. Out of scope. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626618 | Credit | Underwriting | Active | 3: Curable | 17154666-PH3WIAVD | Income | \* Income documentation is incomplete (Lvl 3) | File is missing a paystub or WVOE showing current YTD income. 2 years W2s are the only income documents in file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626619 | Credit | Doc Issue | Active | 3: Curable | 80800092-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl 3) | Hazard Insurance is missing in the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626619 | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | 80800092-6NDA6LM2 | ROR | \* ROR H9 form for the same Lender refinance was missing (Lvl 2) | The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (-new advance of money with the same creditor). Model H-8 was provided; because the property is located in CA, model H-9 should have been used. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626620 | Credit | Credit | Active | 3: Curable | 65997581-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl 3) | The subject property closed as a purchase of a second home. The XXXX Guidelines p.63 and p.64 state: Rural properties permitted subject to the following requirements: Principal residence only. The appraisal p.54 shows the subject as Rural. The subject property appears to be ineligible. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626620 | Valuation | Property | Active | 3: Curable | 65997581-7QGY2J7Z | Completed "Subject To" w/o Compltn Cert in File | \* Completed "Subject To" w/o Compltn Cert in File (Lvl 3) | The loan file is missing the Final Inspection. The appraiser notes on p.18 that there is a sink hole on the subject property. According to the owners this sink hole has been present for multiple years. This is not believed to have a significant impact on marketability assuming that the soil and surrounding area is now stable. A photo of the sink hole is on p.40. The appraisal is completed Subject to Inspection for the sink hole. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626621 | Credit | Doc Issue | Active | 3: Curable | 29072146-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl 3) | Proof of hazard insurance needed to verify PITI and coverage requirements. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626624 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 15790669-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | This loan failed the initial loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)). The Initial LE issued on XX/XX/XXXX is less than seven business days before the Consummation Date, XX/XX/XXXX. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626625 | Compliance | Compliance | Active | 3: Curable | 89292029-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Transfer Taxes. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626625 | Compliance | Compliance | Active | 3: Curable | 89292029-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the CD issued on 8/13/2020 without a valid change of circumstance. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626629 | Credit | Guidelines | Resolved | Resolved | 88375079-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl R) | B1 income provided from paystubs is $X,XXX.XX per month, W2 XXXX has total income of $X,XXX.XX, W2 XXXX $XX,XXX.XX no other income provided, paystubs income is not in line with ytd for prior 2 years. |  |  |  |  | Unvalidated | No comments provided to indicate how the condition was resolved. The only income docs for B1 in file are the documents referenced in the finding (paystub p455, W2s - p761 and p765). The loan file didn't include an explanation for the income discrepancies. | Supporting documentation provided. DTI is within acceptable parameters. Reserves = 296327.71; DTI = 59.07148; LTV = 68.32298; FICO = 766 | N/A | Clear | Unvalidated<br> Supporting documentation was not provided. Complete income documentation was not found in a re-review of the loan file and trailing file. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626629 | Compliance | Compliance | Active | 3: Curable | 88375079-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal fee. A cost to cure in the amount of XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626631 | Compliance | Compliance | Active | 3: Curable | 10609482-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). Because the SPL was missing, fees in Section C were subject to 10% tolerance. The changes resulted in threshold to go above allowable tolerance. A cost to cure in the amount of $XXX.XX is required. The defect may be resolved by providing the missing document, reimbursing the consumer, or providing a valid reason for the increases. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626631 | Credit | Credit | Active | 3: Curable | 10609482-IAW403JB | Occupancy- Potential Occupancy Misrepresentation | \* Occupancy- Potential Occupancy Misrepresentation (Lvl 3) | Misrepresentation of Occupancy. The subject loan was underwritten as a primary residence, however per the letter of explanation in the file (pg 5), the borrower purchased the subject property for their in laws. The borrowers primary residence is located at XXX XXX XXXXX, XXXXXXXXX, CA. Subject property appears to be an investment property. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626631 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 10609482-95NA4ABR | TRID - SPL missing | \* TRID - SPL missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626632 | Credit | Credit | Active | 3: Curable | 1714726-IAW403JB | Occupancy- Potential Occupancy Misrepresentation | \* Occupancy- Potential Occupancy Misrepresentation (Lvl 3) | Subject loan was underwritten as a refi cash out transaction of a primary residence, however subject property appears to be an investment property. The borrower's awards letters, mortgage statements and 1099s in the file shows the mailing address of XX XXXXXXXX, XXXXXXXX, GA, not the subject property address. Occupancy is misrepresented. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626634 | Compliance | Compliance | Active | 3: Curable | 14675178-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Title- Lenders Title Policy. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). Note: A cost to cure in the amount of $XX.XX is required. However, because $X.XX was reimbursed, only $XX.XX is now due. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626634 | Credit | Credit | Active | 3: Curable | 14675178-IAW403JB | Occupancy- Potential Occupancy Misrepresentation | \* Occupancy- Potential Occupancy Misrepresentation (Lvl 3) | Subject property at XXX X XXXX XX. was approved as a cash out for a primary residence. The 1003 indicates the borrower has lived at the subject property for 10 years. However, the subject is listed on the 1040 schedule E as being rented for the past 12 months and the address listed on all correspondence in the file and on the personal tax returns is XXXX XX XXX XX. Nothing found in file to indicate borrower occupies the subject property and unable to determine a status of the property at XXXX XX XXX XX. and what additional PITI may be attached to that property. | 54.93% LTV is below the maximum 90% LTV by 35.07%.<br> 771 representative credit score exceeds the minimum required credit score of 620 by 151 points.<br> 28.65 months reserves exceed the minimum 2 months required by 26.65 months. |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626635 | Credit | Doc Issue | Resolved | Resolved | 68960923-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | Missing title insurance with at least $XXX,XXX.XX coverage. |  |  |  |  | Validated | Final Title Policy reflects coverage of $XXX,XXX (p366). |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626635 | Credit | Doc Issue | Resolved | Resolved | 68960923-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl R) | Missing proof of hazard insurance for subject property. |  |  |  |  | Unvalidated | NO comments as to receipt of HOI, no documentation provided in the trailing docs. | Supporting documentation provided. | N/A | Clear | Unvalidated <br> Loan file p155 included the HOI policy however the coverage of $328,000 was insufficient to cover the loan amount of $XXX,XXX. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626636 | Credit | Doc Issue | Active | 3: Curable | 50230229-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl 3) | The file is missing proof of HOI for subject property (XXXX XXXX XXXX XX) An updated HOI document supporting the annual insurance, dwelling coverage and the expiration date is needed. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626637 | Credit | Credit | Active | 3: Curable | 6102551-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | Documentation of the borrowers identity verification (e. g. Patriot Act, Photo ID, etc.) was not located in the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626637 | Credit | Credit | Active | 3: Curable | 6102551-HZ5671LK | Missing Doc | \* Missing Doc (Lvl 3) | The Condo Questionnaire (p. 130) indicates the HOA is a defendant or a plaintiff in litigation against a builder or developer. Details of the litigation were not located in the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626638 | Credit | Credit | Active | 3: Curable | 14909191-IAW403JB | Occupancy- Potential Occupancy Misrepresentation | \* Occupancy- Potential Occupancy Misrepresentation (Lvl 3) | The subject transaction is a refinance of the borrower's primary residence located at XXXX XXXXXX XXXXX. The final 1003 (p. 400) states the borrower has resided at the subject property rent free for the past 2 years, with a mailing address of XXXX XXXXXXXXXX XXXXX. The initial application (p. 404) indicates the borrower has owned the property located at XXXX XXXXXXXXXXXXXXX for the past 2 years. Additionally, loan documentation in file (e. g. Form W-9, Form 4506, Right to Cancel, mortgage statements for the subject loan, etc.) reflect a mailing address of XXXX XXXXXXXXXX XXXXX and the Occupancy and Mailing Address Verification (p. 198) is not signed by the borrower. An explanation for the address discrepancies was not located in the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626640 | Credit | Underwriting | Active | 3: Curable | 49123648-JH48LW86 | VVOE > 10 days prior to Note date | \* VVOE > 10 days prior to Note date (Lvl 3) | Missing VOE from Certified Home Specialist (foster Care) income. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626640 | Credit | Income | Active | 3: Curable | 49123648-SA3HBHSH | Employment / Income | \* Employment History Does Not Meet Guides (Lvl 3) | Missing copy of recent check or bank statement verifying receipt of payment for foster income. <br>XXXX 1099 Certified Home Specialist (income amount not legible, audit included income from final 1003 and 1008) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626642 | Credit | Credit | Active | 3: Curable | 48045637-08D7I9DC | Asset Verification insufficient | \* Asset Verification insufficient (Lvl 3) | Assets not stated or verified. Missing evidence of funds to close. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626643 | Valuation | Doc Issue | Resolved | Resolved | 52835772-4M12HOPC | Appraisal not dated | \* Appraisal not dated (Lvl R) | The appraisal used to calculate the LTV was not in the loan file. |  |  |  |  | Unvalidated | Appraisal was not provided. Final CD does not reflect an appraisal fee being charged. No AUS in file. | Compensating factors | BPO supports value. | Clear | Unvalidated- Missing Appraisal. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626643 | Credit | Eligibility | Resolved | Resolved | 52835772-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | The final loan application and 1008 did not reflect income for the Borrower. Unable to ascertain the DTI from origination. |  |  |  |  | Unvalidated | The final loan application and 1008 did not reflect income for the Borrower. | Supporting documentation provided. DTI is within acceptable paramaters | N/A | Clear | Validated<br> Subject is a VA IRRR, no income was required. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626643 | Credit | Eligibility | Resolved | Resolved | 52835772-LZI5MP1V | Front Ratio does not meet eligibility requirements | \* Housing (Front) Ratio does not meet eligibility requirement(s) (Lvl R) | The final loan application and 1008 did not reflect income for the Borrower. Unable to ascertain the DTI from origination. |  |  |  |  | Unvalidated | The 1008 page 403 and all applications do not have any income. Loan file contains a WVOE (page 431) for the employer on the final 1003 with income for XXXX, 2XXXX and XXXX. No mention that loan is DSCR. | Supporting documentation provided. DTI is within acceptable paramaters | N/A | Clear | Validated<br> Subject is a VA IRRR, no income was required. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626643 | Valuation | Doc Issue | Resolved | Resolved | 52835772-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl R) | The subject property appraisal was missing from the loan file. Value of $XXX,XXX.XX used at origination could not be validated. |  |  |  |  | Unvalidated | Appraisal not provided. No comments provided for Resolve status. | Compensating factors | BPO supports value. | Clear | Unvalidated- Missing Appraisal. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626643 | Credit | Credit Worthiness | Active | 3: Curable | 52835772-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | The borrowers 12 month housing payment history was not provided. The current mortgage had only been reviewed for 8 months. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626643 | Credit | Eligibility | Resolved | Resolved | 52835772-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl R) | The loan file did not contain the appraisal used at origination to determine the LTV of the subject transaction. |  |  |  |  | Unvalidated | Appraisal not provided. No comments provided for Resolve status. | Compensating factors | BPO supports value. | Clear | Unvalidated- Missing Appraisal. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626646 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 17201253-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baseline: Appraisal Fee. The violation may be cured if documentation is provided showing the disclosure was delivered timely. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626646 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 17201253-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii))The initial CD issued on was not received by the consumer 3-business days prior to consummation and a waiver was not provided. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation or a waiver stating why consummation took place prior to the 3-day rule. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626647 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 83753882-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626647 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 83753882-95NA4ABR | TRID - SPL missing | \* TRID - SPL missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626652 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 2380942-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626653 | Credit | Eligibility | Active | 3: Curable | 7790614-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 3) | DTI ratio at 70% - Guidelines accept max DTI 60% |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626653 | Compliance | Compliance | Active | 3: Curable | 7790614-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 3) | This loan failed the revised Closing Disclosure delivery date test (no waiting period required): (12 CFR §1026.19(f)(2)(i)) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626653 | Compliance | Disclosures | Active | 3: Curable | 7790614-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626655 | Compliance | Compliance | Active | 3: Curable | 78551504-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the LE issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626657 | Valuation | Property | Active | 3: Curable | 45318183-FSPW8MVQ | Property Issues indicated | \* Property Issues indicated (Lvl 3) | Per XXXX guidelines (pg 64) Properties that are classified Rural can only be principal residence only, subject property is a second home. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626663 | Compliance | Compliance | Active | 3: Curable | 63535047-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: e-Recording Fee. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626663 | Compliance | Compliance | Active | 3: Curable | 63535047-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 3) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase/addition to the following fee(s) was not accepted because a valid reason was not provided: Recording Fees (XX/XX/XXXX). A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626664 | Valuation | Property | Active | 3: Curable | 29592914-WF7LVCT1 | Property Type unacceptable under guidelines | \* Property Type unacceptable under guidelines (Lvl 3) | Per Appraisal, property is a Condotel. Property not eligible per guidelines |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626665 | Valuation | Property | Active | 3: Curable | 89487500-WF7LVCT1 | Property Type unacceptable under guidelines | \* Property Type unacceptable under guidelines (Lvl 3) | Lender Guidelines, Ineligible Properties: Properties or projects with the following features or characteristics are ineligible: Condotels or condo-hotels; including projects managed or operated as a hotel or motel and projects that contain hotel or motel in the name. The appraisal indicates the subject condo project's commercial space includes a rental desk and the project operates as a hotel. The subject property is considered a condotel per the guidelines. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626666 | Compliance | Compliance | Active | 3: Curable | 77215598-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | "This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Credit Report. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). " |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626674 | Compliance | Compliance | Active | 3: Curable | 6271923-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Appraisal Fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626674 | Compliance | Compliance | Active | 3: Curable | KRWR1BE1PZA-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 3) | The loan is an HPML. Evidence that a copy of a written appraisal with interior photos and performed by a certified appraiser was provided to the consumer is missing. Per Regulation, a creditor shall provide to the consumer a copy of any written appraisal performed in connection with a HPML. The defect can be resolved by providing evidence that shows the consumer received a copy of the appraisal report. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626677 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 99595511-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626678 | Compliance | Compliance | Active | 3: Curable | 14449854-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 3) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX1. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626678 | Credit | Eligibility | Resolved | Resolved | 14449854-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl R) | Max 85%LTV per product Guidelines |  |  |  |  | Unvalidated | No comments provided to support how this condition was resolved. LTV is 90% with a $X,XXX,XXX.XX loan amount on the purchase of a primary residence, full/alt documentation. Guidelines reflect max LTV for this loan amount is 80%. | Compensating factors | Reserves = 138167.07; DTI = 49.87612; LTV = 89.99; FICO = 788 | Clear | Check comp factors |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626678 | Credit | Eligibility | Resolved | Resolved | 14449854-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl R) | Max 85%LTV per product Guidelines - Max LTV Exceeded |  |  |  |  | Unvalidated | No comments provided to support how this condition was resolved. LTV is 90% with a $X,XXX,XXX.XX loan amount on the purchase of a primary residence, full/alt documentation. Guidelines reflect max LTV for this loan amount is 80%. | Compensating factors | Reserves = 138167.07; DTI = 49.87612; LTV = 89.99; FICO = 788 | Clear | Check comp factors |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626679 | Credit | Credit | Resolved | Resolved | 52923263-PXITUQYJ | 1003 Application [information not provide] | \* 1003 Application [information not provide] (Lvl R) | The final 1003 (pg 541) includes a liability for XXXXXXXXXXXXXXXXXX with a monthly payment of $X,XXX.XX but was not included in the DTI. The loan file is missing documentation to support omission. |  |  |  |  | Validated | Initial 1003 was provided. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626679 | Compliance | Compliance | Active | 3: Curable | 52923263-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fees on PCCD XX/XX/XXXX was not accepted because the change occurred after consummation: Points - Loan Discount Fee and Loan Origination Fee. A cost to cure in the amount of $XX,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing any missing revised disclosure with changes prior to consummation. If curing with a reimbursement, the following documents are required as well: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626679 | Compliance | Disclosures | Active | 3: Curable | 52923263-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626680 | Credit | Title Issue | Active | 3: Curable | 34061062-12W30VUO | Title holder is not an individual | \* Title holder is not an individual (Lvl 3) | Missing Complete Trust Agreement from the loan file. Pages 1-3 provided. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626681 | Valuation | ValuationWaterfall | Waived | Waived | GZOHDFSJ3OT-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl W) | Missing third party valuation to support the appraisal value within 10% variance. |  |  | 1/31/22: Cleared with BPO by XXXXX XXX @ XXXX. | 1/31/22: Cleared with BPO by XXXXX XXX @ XXXX. | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626683 | Compliance | Compliance | Resolved | Resolved | JDITIM10JTH-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl R) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: Recording Fee (XX/XX/XXXX). A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  | COC dated XX/XX/XXXX | 2/24/2022 Cleared. The COC dated XX/XX/XXXX resolved the tolerance fail. | 2/24/2022 Cleared. The COC dated XX/XX/XXXX resolved the tolerance fail. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626685 | Credit | Eligibility | Active | 3: Curable | 35140351-M5UPHMYN | Occupancy does not meet eligibility requirement(s) | \* Occupancy does not meet eligibility requirement(s) (Lvl 3) | The final AUS dated XX/XX/XXXX, 1008 and final loan application signed and dated by the borrower on XX/XX/XXXX reflect the transaction as a Texas Equity (A6) cash out refinance of a primary residence. Documentation in the loan file, including a lease for the subject property and a letter of explanation from the borrower confirming rent free residency at a property other than the subject. The evidence of insurance, subject mortgage statement, credit report, pay stubs, and asset statement all reflect the borrowers address as not the subject property. The initial loan application signed by the borrower on XX/XX/XXXX listed the subject property as the current address, however section 4 reflects the subject property as an investment property, and the appraisal was completed as tenant occupied. Despite all the documentation included in the loan file disclosing the property is non-owner occupied, the loan was approved and closed as a Texas equity (A6) cash out of a primary residence. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626685 | Credit | Title Issue | Resolved | Resolved | 35140351-3MGROFI3 | Title issue | \* Title issue (Lvl R) | The title commitment Schedule C, line item 14 reflected Judgment dated XX/XX/XXXX in the amount of $X,XXX.XX. There was no evidence in the file this judgment was paid in full and released. |  |  |  |  | Validated | Judgment is not on final title. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626688 | Compliance | Compliance | Active | 3: Curable | 56715481-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | "This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Discount Points. A cost to cure in the amount of $XX,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). " |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626689 | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | 59532594-QGZLW42M | Homeownership Counseling List | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626689 | Compliance | Disclosures | Active | 3: Curable | 59532594-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626689 | Compliance | Compliance | Active | 3: Curable | 59532594-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) and the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $X.XX and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626689 | Compliance | Compliance | Active | 3: Curable | 59532594-YF1S1X5R | TRID- Initial LE timing fail | \* TRID- Initial LE timing fail (Lvl 3) | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626689 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 59532594-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | This loan failed the initial loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)). The Initial LE issued on XX/XX/XXXX is less than seven business days before the Consummation Date, 4/20/21. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626690 | Compliance | Compliance | Active | 3: Curable | YTJDGO0POOG-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The loan failed the Revised Loan Estimate delivery date test (after issuance of Closing Disclosure). The Revised Loan Estimate issued on XX/XX/XXXX was issued after providing the Closing Disclosure issued on XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626690 | Valuation | Doc Issue | Active | 3: Curable | YTJDGO0POOG-GJPBPN9X | Appraisal dated after closing | \* Appraisal dated after closing (Lvl 3) |  |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626692 | Valuation | Doc Issue | Resolved | Resolved | 31195644-4M12HOPC | Appraisal not dated | \* Appraisal not dated (Lvl R) | The subject property appraisal was missing from the loan file. |  |  |  |  | Unvalidated | Appraisal was not provided. Final CD does not reflect an appraisal fee being charged. AUS did not approve a property inspection waiver. | Compensating factors | BPO supports value. Reserves = 5152.36; DTI = 53.4859; LTV = 80; FICO = 735 | Clear | Check BPO value |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626692 | Credit | AUS | Resolved | Resolved | 31195644-DL3LKV6A | AUS: File does not contain all AUS Reports run | \* AUS: File does not contain all AUS Reports run (Lvl R) | AUS is not required. |  |  |  |  | Validated | AUS not required per GL |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626692 | Valuation | Doc Issue | Active | 3: Curable | 31195644-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 3) | Missing the required full appraisal for the subject. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626695 | Compliance | Compliance | Active | 2: Acceptable with Warnings | IX2EFNMU4WH-95NA4ABR | TRID - SPL missing | \* TRID - SPL missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626696 | Compliance | Compliance | Active | 3: Curable | 18883298-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points - Loan Discount Fee. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626699 | Credit | Credit | Resolved | Resolved | 51395113-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | unable to verify HOI on the following properties: XXXX XXXXXX XXXXX, XXXX XX XXXXXX, XXXX X XXXXXXXX |  |  |  |  | Unvalidated | No evidence of HOI or mortgage statements reflecting impounds for the properties noted | Supporting documentation provided. | N/A | Clear | Unvalidated<br> Supporting documentation was not provided. HOI documentation for the properties in question was not found in a re-review of the loan file and trailing file. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626699 | Credit | Eligibility | Active | 3: Curable | 51395113-AOA4RHKS | Property Type does not meet elig. requirement(s) | \* Property Type does not meet eligibility requirement(s) (Lvl 3) | Subject property is a condotel, which is not permitted per guidelines. Google search of the subject property address shows the condo developments name is XXXXXXX XXXXX XXXXXXt, which indicates the subject property is a condotel, not a condo. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626701 | Credit | Doc Issue | Active | 3: Curable | 48252264-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl 3) | Proof of Hazard Insurance is missing in the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626709 | Compliance | Compliance | Active | 3: Curable | 68497752-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Settlement/Closing Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626710 | Credit | Credit | Active | 3: Curable | 94743236-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl 3) | Loan file missing Condominium or PUD master policy, HO-6 condominium policy. Hazard Insurance Policy provided covered Wall to Wall only. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626710 | Credit | Credit | Active | 3: Curable | 94743236-HZ5671LK | Missing Doc | \* Missing Doc (Lvl 3) | Loan file missing condominium questionnaire. Subject is a 5 Story Condo Building. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626713 | Compliance | Compliance | Active | 3: Curable | VAYXUGHHANT-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase to the following fees on XX/XX/XXXX did not reset the baseline: Appraisal Fee. The violation may be cured if documentation is provided showing the disclosure was delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626713 | Compliance | Compliance | Active | 3: Curable | VAYXUGHHANT-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 3) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii). Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626713 | Compliance | Compliance | Resolved | Resolved | VAYXUGHHANT-FR16UVJK | QM Points and Fees | \* QM Points and Fees (Lvl R) | This loan failed the high-cost home loan points and fees threshold test due to one or more of the following findings: (SC SB 438, §37-23-20(15)(B)). <br> The total points and fees of this loan, which are $X,XXX.XX, exceed one of the following thresholds based on the total loan<br> amount, which is $XX,XXX.XX: The total points and fees exceed 5% of the total loan amount if the total loan amount is $XX,XXX.XX or more.<br> The following fees were included in the calculation:Attorney's Fee (Closing Agent and Other Title Services) paid by Borrower: $XXX.XX, Flood Life of Loan Coverage paid by Borrower: $X.XX<br> Life of Loan Tax Service paid by Borrower: $XX.XX, Mortgage Broker Fee paid by Borrower: $X,XXX.XX, Points - Loan Discount Fee paid by Borrower: $X,XXX.XX, Points - Loan Discount Fee paid by Lender: $XXX.XX00, Tax Certification Fee paid by Borrower: $XX.XX, Title - XXX paid by Borrower: $XX.XX, Wire Transfer Fee paid by Borrower: $XXX.XX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. |  |  | 02/01/2022 Cleared. The documentation provided is sufficient to resolve the finding. | 02/01/2022 Cleared. The documentation provided is sufficient to resolve the finding. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626716 | Compliance | Compliance | Resolved | Resolved | PMP51DBLLEN-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl R) | This loan failed the TRID total of payments test. (12 CFR §1026.38(o)(1)). The total of payments is $X,XXX,XXX.XX. The disclosed total of payments of $X,XXX,XXX.XX is not considered accurate because it is understated by more than $XXX.A cost to cure in the amount of $XXX.XX is required. The Total of Payments Calculations includes the following: Principal $XXX,XXX.XX, Interest $XXX,XXX.XX, and Loan Costs $$X,XXX.XX. The defect can be cured by reimbursing the consumer or providing information as to the reason the violation is not valid. If curing with a reimbursement, the following documents are required: LOE to consumer, copy of the refund, and proof of delivery. |  | LOE, PCCD, refund check and mailing label resolved the TOP fail. | 2/4/2022 Cleared. The LOE, PCCD, refund check and mailing label resolved the TOP fail. | 2/4/2022 Cleared. The LOE, PCCD, refund check and mailing label resolved the TOP fail. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626718 | Compliance | Compliance | Resolved | Resolved | NFOD2JNLZ1X-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the letter from the client stating the cash is to be used for business purpose may cure the violation. |  | COC for appraisal fee | 2/17/2022 Remains. Although the COC states the appraisal fee increased on XX/XX/XXXX1, it does not state why it increased. Per regulation, technical errors, miscalculations, or underestimations of a charge are not valid reasons for a change in fees. The COC must address the reason for the increase.<br>3/1/2022 Cleared. The COC dated XX/XX/XXXX resolved the tolerance fail. | 2/17/2022 Remains. Although the COC states the appraisal fee increased on XX/XX/XXXX, it does not state why it increased. Per regulation, technical errors, miscalculations, or underestimations of a charge are not valid reasons for a change in fees. The COC must address the reason for the increase.<br>3/1/2022 Cleared. The COC dated XX/XX/XXXX resolved the tolerance fail. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626720 | Compliance | Compliance | Active | 2: Acceptable with Warnings | QKYGIV32RHR-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626720 | Valuation | ValuationWaterfall | Active | 3: Curable | QKYGIV32RHR-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | Missing third party valuation to support the appraisal value within 10% variance. No UCDP CU risk score. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626720 | Credit | Credit | Active | 3: Curable | QKYGIV32RHR-NUWHQML7 | Credit history inadequate/does not meet g/l (ATR) | \* Credit history insufficient/does not meet guidelines (ATR) (Lvl 3) | The guidelines required at least one open trade for 9 months or more. The one trade on file had only been open for 3 months and there was no evidence of rental history such as cancel checks or bank statements. Only a private VOR. Borrower has no credit scores, but guidelines allow if less than 45% DTI and 90% LTV - subject meets the requirements. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626721 | Credit | Eligibility | Resolved | Resolved | LWCBJAT4XCL-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | Review 59.812% DTI exceeded the XXXX Non-QM Mortgage Plus Matrix & Summary Guidelines (Full Doc & Bnk Stmt) 4.1.21 maximum 55% DTI. |  |  |  |  | Unvalidated | No comments provided as to how the DTI was resolved. There was nothing in the trailing documents related to DTI. | Supporting documentation provided. DTI is within acceptable paramaters Reserves = 150150.92; DTI = 59.81183; LTV = 88.58813; | N/A | Clear | Validated<br> This is a VA loan, non-QM DTI limit does not apply. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626721 | Valuation | ValuationWaterfall | Active | 3: Curable | LWCBJAT4XCL-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | Missing third party valuation to support the appraisal value within 10% variance. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626722 | Credit | Guidelines | Active | 3: Curable | ZPQ4FR43I0P-HTEKL4JF | Asset do not meet guidelines | \* Asset do not meet guidelines (Lvl 3) | Missing the final settlement statement or CD from the subject purchase (Pg 436). Missing documentation to evidence the original subject purchase funds. Delayed Financing Cash-Out of a non-owner-occupied investment property. The subject loan amount of $XXX,XXX.XX (Pg 5) exceeded the subject property purchase price on XX/XX/XXXX of $XXX,XXX.XX (Pg 436). Based on the XXXX Non-QM Mortgage Plus Guidelines - 4.1.21 v.1.6 (Pg 17) lessor of the subject property purchase price of $XXX,XXX.XX (Pg 436) the LTV/CLTV was 102.36% exceeding the maximum allowed 85%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626722 | Valuation | Value | Active | 3: Curable | ZPQ4FR43I0P-BG9BY1ON | Property listed for sale in past 12 months | \* Property listed for sale in past 12 months (Lvl 3) | Delayed Financing Cash-Out of a non-owner-occupied investment property. The subject loan amount of $XXX,XXX.XX (Pg 5) exceeded the subject property purchase price on XX/XX/XXXX of $XXX,XXX.XX (Pg 436). Based on the XXXX Non-QM Mortgage Plus Guidelines - 4.1.21 v.1.6 (Pg 17) lessor of the subject property purchase price of $XXX,XXX.XX (Pg 436) the LTV/CLTV was 102.36% exceeding the maximum allowed 85%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626722 | Credit | Guidelines | Active | 3: Curable | ZPQ4FR43I0P-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 3) | Delayed Financing Cash-Out of a non-owner-occupied investment property. The subject loan amount of $XXX,XXX.XX (Pg 5) exceeded the subject property purchase price on XX/XX/XXXX of $XXX,XXX.XX (Pg 436). Based on the XXXX Non-QM Mortgage Plus Guidelines - 4.1.21 v.1.6 (Pg 17) lessor of the subject property purchase price of $XXX,XXX.XX (Pg 436) the LTV/CLTV was 102.36% exceeding the maximum allowed 85%. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626724 | Credit | DTI | Resolved | Resolved | LZAYN0V3K53-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl R) | The audit DTI of 82.6% exceeds the max allowed DTI of 55% per the lender's guideline product matrix. <br>The audit DTI was calculated as 82.6%, due to the loan file missing current lease information for the borrowers' investment property located at XXXXX XXXXX XXXX XXXX. #XX, XXXXXXXXXXX, CA XXXXX. The final 1003, on page 13 of the loan file, disclosed a monthly rental income of $X,XXX.XX for this property, with a 75% vacancy factor used, to calculate the total net rental income for this property of a positive $X,XXX.XX; however, the loan file did not contain a copy of any leases for this property and the loan file only contained a copy of the XXXX Schedule E with rental income information for this property. The subject loan closed on XX/XX/XXXX; therefore, a Schedule E for the most current year XXXX or if not available XXXX should have been provided. <br>As a result, no rental income was given for this property located at, XXXXX XXXXX XXXX XXXX. #XX, XXXXXXXXXXX, CA XXXXX. The positive rental monthly income given to the borrower at origination of $XXX.XX was not given to the borrower. Therefore, when using the monthly income of $X,XXX.XX for the borrower, monthly income of $X,XXX.XX for the co-borrower, total monthly REO gross rental income losses of -$XXX.XX, with the primary housing expense of $X,XXX.XX, the audit DTI is 82.6% and exceeds the max allowed of 55%. |  |  | 2/14/2022: Rental income brings DTI within approval. | 2/14/2022: Rental income brings DTI within approval. | Validated | Zillow Rent Zestimate Report was provided to document rent of $X,XXX.XX (p48 of Trailing docs) |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626724 | Credit | Eligibility | Resolved | Resolved | LZAYN0V3K53-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | The audit DTI of 82.6% exceeds the max allowed DTI of 55% per the lender's guideline product matrix. <br>The audit DTI was calculated as 82.6%, due to the loan file missing current lease information for the borrowers' investment property located at XXXXX XXXXX XXXX XXXX. #XX, XXXXXXXXXXX, CA XXXXX. The final 1003, on page 13 of the loan file, disclosed a monthly rental income of $X,XXX.XX for this property, with a 75% vacancy factor used, to calculate the total net rental income for this property of a positive $X,XX.XX; however, the loan file did not contain a copy of any leases for this property and the loan file only contained a copy of the XXXX Schedule E with rental income information for this property. The subject loan closed on XX/XX/XXXX; therefore, a Schedule E for the most current year XXXX or if not available XXXX should have been provided. <br>As a result, no rental income was given for this property located at, XXXXX XXXXX XXXX XXXX. #XX, XXXXXXXXXXX, CA XXXXX. The positive rental monthly income given to the borrower at origination of $XXX.XX was not given to the borrower. Therefore, when using the monthly income of $X,XXX.XX for the borrower, monthly income of $X,XXX.XX for the co-borrower, total monthly REO gross rental income losses of -$XXX.XX, with the primary housing expense of $X,XXX.XX, the audit DTI is 82.6% and exceeds the max allowed of 55%. |  |  | 2/14/2022: Rental income brings DTI within approval. | 2/14/2022: Rental income brings DTI within approval. | Validated | Zillow Rent Zestimate Report was provided to document rent of $X,XXX.XX (p48 of Trailing docs) |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626724 | Credit | Credit | Resolved | Resolved | LZAYN0V3K53-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl R) | The audit DTI of 82.6% exceeds the max allowed DTI of 55% per the lender's guideline product matrix. <br>The audit DTI was calculated as 82.6%, due to the loan file missing current lease information for the borrowers' investment property located at XXXXX XXXXX XXXX XXXX. #XX, XXXXXXXXXXX, CA XXXXX. The final 1003, on page 13 of the loan file, disclosed a monthly rental income of $X,XXX.XX for this property, with a 75% vacancy factor used, to calculate the total net rental income for this property of a positive $X,XX.XX; however, the loan file did not contain a copy of any leases for this property and the loan file only contained a copy of the XXXX Schedule E with rental income information for this property. The subject loan closed on XX/XX/XXXX; therefore, a Schedule E for the most current year XXXX or if not available XXXX should have been provided. <br>As a result, no rental income was given for this property located at, XXXXX XXXXX XXXX XXXX. #XX, XXXXXXXXXXX, CA XXXXX. The positive rental monthly income given to the borrower at origination of $XXX.XX was not given to the borrower. Therefore, when using the monthly income of $X,XXX.XX for the borrower, monthly income of $X,XXX.XX for the co-borrower, total monthly REO gross rental income losses of -$XXX.XX, with the primary housing expense of $X,XXX.XX, the audit DTI is 82.6% and exceeds the max allowed of 55%. |  |  | 2/14/2022: Rental income brings DTI within approval. | 2/14/2022: Rental income brings DTI within approval. | Validated | Zillow Rent Zestimate Report was provided to document rent of $X,XXX.XX (p48 of Trailing docs) |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626724 | Credit | Underwriting | Resolved | Resolved | LZAYN0V3K53-PH3WIAVD | Income | \* Income documentation is incomplete (Lvl R) | The loan file did not contain any copies of leases for the borrower's property that was indicated at origination with rental income. The loan file only contained a copy of the XXXX Schedule E with rental income information. The subject loan closed on XX/XX/XXXX; therefore, a Schedule E for the most current year XXXX or if not available XXXX should have been provided. Therefore, no rental income could be verified without the required documentation, for the borrower's rental property with rental income. |  |  | 2/14/2022: Received rental information from Zillow for rent income. | 2/14/2022: Received rental information from Zillow for rent income. | Validated | Zillow Rent Zestimate Report was provided to document rent of $X,XXX.XX (p48 of Trailing docs) |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626725 | Valuation | ValuationWaterfall | Active | 3: Curable | BUTZOIJFWC5-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | Missing third party valuation to support the appraisal value within 10% variance. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626725 | Credit | Doc Issue | Active | 3: Curable | BUTZOIJFWC5-084LDYCE | VOM or VOR missing/required | \* VOM or VOR missing/required (Lvl 3) | Missing 12-months verification of rent for the Borrowers departure address. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626726 | Compliance | Disclosures | Active | 3: Curable | DT4IWBHEE35-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 3) | The loan failed the Revised Loan Estimate delivery date test (after issuance of Closing Disclosure). The Revised Loan Estimate issued on XX/XX/XXXX was issued on the same day or after providing the Closing Disclosure issued on XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626729 | Credit | Other Disclosures | Resolved | Resolved | BLDUDEBDM4X-J67UPU9C | Final Application is missing | \* Final Application is missing (Lvl R) | Missing the final 1003. |  |  | 2/14/2022: Resolved 1003 received. | 2/14/2022: Resolved 1003 received. | Validated | Final, signed 1003 located on pages 47 and 51 trailing folder. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626730 | Credit | Credit | Active | 3: Curable | WTXZYZLVO3N-0BLBZVJN | Credit | \* Missing Documentation (Lvl 3) | The loan file did not contain a copy of the payoff statement for the subject loan transaction. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626731 | Compliance | Compliance | Active | 3: Curable | 5X245ASYXC2-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Rush Fee. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626734 | Compliance | Compliance | Active | 2: Acceptable with Warnings | VRMZMPWD2AX-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. If transaction meets guidelines for business purposes, the affidavit of occupancy and the letter from the client stating the cash is to be used for business purpose may cure the violation. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626734 | Valuation | ValuationWaterfall | Active | 3: Curable | VRMZMPWD2AX-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | Missing third party valuation to support the appraisal value within 10% variance. No UCDP CU risk score due to property type. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626734 | Compliance | Compliance | Active | 3: Curable | VRMZMPWD2AX-FR16UVJK | QM Points and Fees | \* QM Points and Fees (Lvl 3) | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXX,XXX.XX0 or more, and the transaction's total points and fees is $X,XXX.XX, which exceeds 3 percent of the total loan amount of $XXX,XXX.XX. The following fees were included in the calculation: Administration Fee paid by Borrower: $XXX.XX, Mortgage Broker Fee (Indirect) $X,XXX.XX, Points - Loan Discount Fee paid by Borrower: $X,XXX.XX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. If transaction meets guidelines for business purposes, the affidavit of occupancy and the letter from the client stating the cash is to be used for business purpose may cure the violation. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626735 | Compliance | Compliance | Active | 3: Curable | CSU4PXIFLCW-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626737 | Valuation | ValuationWaterfall | Active | 3: Curable | 0N4CUFWCH3Q-DBANIECF | Stated value not supported. 2nd value required. | \* Stated property value not supported. Secondary value required. (Lvl 3) | AUS approved with PIW. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626738 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | CF3IPE3XI3D-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The CD issued on XX/XX/XXXX is inaccurate. It is missing the projected payments section. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626739 | Compliance | Compliance | Resolved | Resolved | 5OOO324COQW-5ARCFLMQ | TRID CD at consummation | \* TRID CD at consummation (Lvl R) | The file does not contain evidence that a CD was provided on the day the mortgage was signed and notarized. The last CD available in the file was issued on XX/XX/XXXX and received by the consumer on XX/XX/XXXX. If a CD was provided at consummation, provide for testing. If CD was received electronically, please provide evidence of receipt as well as the e-Consent. |  |  | 2/14/2002 Cleared. PCCD issued and signed on XX/XX/XXXX is sufficient. | 2/14/2002 Cleared. PCCD issued and signed on XX/XX/XXXX is sufficient. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626740 | Credit | Insurance | Active | 3: Curable | YKKJ20UVGAM-7V8G8MVK | HOI | \* Hazard Insurance (Lvl 3) | The hazard insurance on page 343 did not reflect rent loss. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626740 | Credit | Underwriting | Active | 3: Curable | YKKJ20UVGAM-JH48LW86 | VVOE > 10 days prior to Note date | \* VVOE > 10 days prior to Note date (Lvl 3) | The third party business verification for Schedule C was missing from the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626742 | Valuation | Doc Issue | Resolved | Resolved | EIZFVJRGV5U-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl R) | The DU indicated the loan quaiflied for an appraisal waiver. However, the form was missing from the loan file. |  |  |  |  | Unvalidated | Appraisal not provided. No comments provided for Resolve status. AUS did approve appraisal waiver (p553) | Compensating factors | BPO supports value. Reserves = 2553.59; DTI = 48.51052; LTV = 36.57142; FICO = 718 | Clear | Check BPO value |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626742 | Credit | Title Issue | Resolved | Resolved | EIZFVJRGV5U-12W30VUO | Title holder is not an individual | \* Title holder is not an individual (Lvl R) | The Lender allows vesting in a Revocable Trust per the guidelines. |  |  |  |  | Validated | Comments indicate guidelines allows vesting in a Trust. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626743 | Valuation | ValuationWaterfall | Active | 3: Curable | IMBLASSDRLK-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | Missing third party valuation to support the appraisal value within 10% variance. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626743 | Compliance | Compliance | Active | 2: Acceptable with Warnings | IMBLASSDRLK-95NA4ABR | TRID - SPL missing | \* TRID - SPL missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626745 | Compliance | Compliance | Resolved | Resolved | 1ARNHO0QPXR-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX and XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points - Loan Discount Fee and Appraisal Fee. A cost to cure in the amount of $X,XXX.XX is required. However, because $X,XXX.XX was reimbursed, only $XXX.XX is now due. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | COC dated XX/XX/XXXX | 2/15/2022 Cleared. The COC dated XX/XX/XXXX resolved the tolerance fail. | 2/15/2022 Cleared. The COC dated XX/XX/XXXX resolved the tolerance fail. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626746 | Credit | Eligibility | Active | 3: Curable | 4YINCYWDJGS-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 3) | The XXXX Non-QM Mortgage Plus Guidelines dated XX/XX/XXXX1, Program Matrix, disclosed for a purchase of a primary residence, loan amount $XXX,XXX.XX, credit score 681, the max LTV was 90%. The subject loan was approved with an LTV of 94.993%. | DTI is 34.8%. The maximum DTI for the subject loan is 55%. The DTI is 20.2% below max DTI allowed for the subject loan transaction.<br>$10,404.98 in reserves exceed the minimum required of $8,120.46. Reserves exceed the minimum required by $2,284.52.<br>Borrower has been employed at current job for 4.9 years.<br>VOR disclosed the borrower had 0x30 housing history for 27 months. |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626749 | Valuation | Doc Issue | Active | 3: Curable | OXM2E4TK2A5-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 3) | The DU on page 384 indicated the subject qualified for the appraisal waiver. However, the form was missing from the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626749 | Credit | Doc Issue | Active | 3: Curable | OXM2E4TK2A5-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl 3) | The hazard insurance for the subject property is missing from the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626750 | Valuation | ValuationWaterfall | Active | 3: Curable | I5ZZD0YPNVJ-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | Missing third party valuation to support the appraisal value within 10% variance. No UCDP CU risk score due to property type. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626751 | Credit | Doc Issue | Active | 3: Curable | NFDNVGFNMXR-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl 3) | The loan file did not contain a copy of the hazard insurance for the subject loan transaction. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626751 | Valuation | ValuationWaterfall | Active | 3: Curable | NFDNVGFNMXR-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | Missing third party valuation to support the appraisal value within 10% variance. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626753 | Compliance | Compliance | Active | 2: Acceptable with Warnings | UP3JCJDKFT4-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626753 | Credit | Credit Worthiness | Waived | Waived | UP3JCJDKFT4-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl W) | The guidelines, XXXX Non-QM Mortgage Plus Guidelines dated 04/01/2021, disclosed housing payment history in the form of mortgage history and/ or rental history, must be verified for the most recent 12 months. The final 1003, on page 675 of the loan file, disclosed the borrower's current primary residence was a rental property located at XXXXX XXXXXXXXXXX XX which the borrower lived for 1 year. No monthly rent was disclosed. The 1008, on page 729 of the loan file, also disclosed no current housing payment. The loan file did not contain any rental housing payment history verification documents for the borrower's departing residence. As a result, the borrower's required most recent 12 months housing history was not verified. Missing VOR documentation or a rent free letter for the borrower. |  |  |  |  | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626754 | Credit | Eligibility | Active | 3: Curable | U2NWBD3OX0M-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 3) | The LTV/CLTV of 100% exceeded the max allowed LTV/CLTV of 90% for the subject loan transaction. The XXXX Non-QM Mortgage Plus Guidelines dated 04/01/2021, Program Matrix, disclosed for a cash out refinance of a primary residence, loan amount $XXX,XXX.XX, credit score 781, the max LTV/CLTV was 90%. The subject loan was approved with an LTV/CLTV of 100%, per the DU approval, on page 738 and 1008, on page 897 of the loan file. The LTV/CLTV verified at 100%. | The DTI for the subject loan transaction is 41.0%. The DTI is 14% below maximum DTI of 55%.<br> Representative Credit score of 781 exceeds the minimum credit score of 620 by 161 points.<br> The borrower has been employed at their current job for 16.5 years.<br> 0x30 mortgage history for 70 months for the borrower's primary residence and 0x60 mortgage history for the borrower's investment property. |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626754 | Credit | Eligibility | Active | 3: Curable | U2NWBD3OX0M-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 3) | The LTV/CLTV of 100% exceeded the max allowed LTV/CLTV of 90% for the subject loan transaction. The XXXX Non-QM Mortgage Plus Guidelines dated 04/01/2021, Program Matrix, disclosed for a cash out refinance of a primary residence, loan amount $XXX,XXX.XX, credit score 781, the max LTV/CLTV was 90%. The subject loan was approved with an LTV/CLTV of 100%, per the DU approval, on page 738 and 1008, on page 897 of the loan file. The LTV/CLTV verified at 100%. | The DTI for the subject loan transaction is 41.0%. The DTI is 14% below maximum DTI of 55%.<br> Representative Credit score of 781 exceeds the minimum credit score of 620 by 161 points.<br> The borrower has been employed at their current job for 16.5 years.<br> 0x30 mortgage history for 70 months for the borrower's primary residence and 0x60 mortgage history for the borrower's investment property. |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626754 | Valuation | ValuationWaterfall | Active | 3: Curable | U2NWBD3OX0M-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | The XXXX Non-QM Mortgage Plus Guidelines dated 04/01/2021, recommends that Sellers obtain a supplemental appraisal product to substantiate property value, but not required. Lenders guidelines do not address FNMA CU Score and a requirement of a secondary appraisal per FNMA CU Score. FNMA CU Score was disclosed as 2.6. Missing additional CDA to support appraised value. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626755 | Valuation | Doc Issue | Resolved | Resolved | DQMQLRGSVLF-4M12HOPC | Appraisal not dated | \* Appraisal not dated (Lvl R) | The loan file was missing a copy of the appraisal for the subject property transaction; therefore, the appraisal date is not avaliable. |  |  |  |  | Unvalidated | Appraisal not provided. No comments provided for Resolve status. Final CD does not reflect an appraisal fee being charged. AUS did not approve a property inspection waiver. | Compensating factors | BPO supports value. Reserves = 3573.22; DTI = 53.76477; LTV = 59.28446; FICO = 805 | Clear | Check BPO value |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626755 | Valuation | Doc Issue | Resolved | Resolved | DQMQLRGSVLF-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl R) | The loan file was missing a copy of the appraisal for the subject property transaction. |  |  |  |  | Unvalidated | Appraisal not provided. No comments provided for Resolve status. AUS did approve appraisal waiver (p500) | Compensating factors | BPO supports value. Reserves = 3573.22; DTI = 53.76477; LTV = 59.28446; FICO = 805 | Clear | Check BPO value |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626755 | Compliance | Compliance | Active | 2: Acceptable with Warnings | DQMQLRGSVLF-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626756 | Credit | Eligibility/Fraud | Resolved | Resolved | IGNYHAKJWU3-3E43X3G3 | Fraud Report Missing | \* Missing Fraud Report (Lvl R) | The Fraud report is missing from the loan file. |  |  | 5/13/2022: XXXX XXX Rebuttals/Exceptions 5.10.2022 - Not required for XXXX NonQM Mortgage Plus. | 5/13/2022: XXXX XXX Rebuttals/Exceptions 5.10.2022 - Not required for XXXX NonQM Mortgage Plus. | Validated | 4.1.21 Guidelines, page 27, states Fraud Report or background check is not required. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626756 | Credit | Credit Worthiness | Active | 3: Curable | IGNYHAKJWU3-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | A 12 month rent history was missing from the loan file. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626756 | Compliance | Compliance | Active | 3: Curable | IGNYHAKJWU3-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 3) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626756 | Credit | Eligibility | Active | 3: Curable | IGNYHAKJWU3-GBBTF6MZ | Qual Credit Score does not meet elig. requirements | \* Qualifying Credit Score does not meet eligibility requirement(s) (Lvl 3) | The credit score is 633. The minimum score per the guideline is 640. | Low LTV / CLTV<br>Low DTI Ratio<br>High Residual Income<br>The 80% LTV is 10% below the maximum LTV of 90%. The DTI of 42.7% is 7.3% below the maximum DTI of 50%. The Borrower has $5,738.54 in residual income after all expenses. |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626756 | Compliance | Compliance | Active | 3: Curable | IGNYHAKJWU3-YF1S1X5R | TRID- Initial LE timing fail | \* TRID- Initial LE timing fail (Lvl 3) | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626756 | Compliance | Compliance | Active | 3: Curable | IGNYHAKJWU3-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 3) | This loan failed the charges that in total cannot increase more than 10%. Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures delivered timely. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626759 | Credit | Credit Worthiness | Active | 3: Curable | YXFWNU3KR2S-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | The guidelines, XXXX Non-QM Mortgage Plus Guidelines dated XX/XX/XXXX, disclosed housing payment history in the form of mortgage history and/ or rental history, must be verified for the most recent 12 months. The final 1003, on pages 459-460, of the loan file, disclosed the borrower's departing residence was a rental property located at XXXX XXXXXX XX., which the borrower lived for 2 years with a monthly payment of $XX.XX. The loan file did not contain any rental housing payment history verification documents for the borrower' departing residence. As a result, the borrower's required most recent 12 months housing history was not verified. The loan file was missing a VOR. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626764 | Credit | Credit | Resolved | Resolved | YSG5BCBMAJA-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file was missing the Compliance Report for the subject loan transaction. |  |  | 5/13/2022: Not required for XXXX NonQM Mortgage Plus program. | 5/13/2022: Not required for XXXX NonQM Mortgage Plus program. | Validated | GL Silent on the need for a Compliance Report |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626764 | Credit | Credit | Resolved | Resolved | YSG5BCBMAJA-HZ5671LK | Missing Doc | \* Missing Doc (Lvl R) | The loan file is missing the taxpayer consent form/borrower consent to the use of tax return information form signed by the borrowers. |  |  | 5/13/2022: Not required for XXXX NonQM Mortgage Plus program. | 5/13/2022: Not required for XXXX NonQM Mortgage Plus program. | Validated | Not required for XXXX NonQM Mortgage Plus program |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626764 | Compliance | Compliance | Resolved | Resolved | YSG5BCBMAJA-D7WQ15YB | TRID Total of Payments (TOP) | \* TRID Total of Payments (TOP) (Lvl R) | This loan failed the TRID total of payments test. (12 CFR §1026.38(o)(1). The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX.<br> A cost to cure in the amount of $X,XXX.XX is required. The Total of Payments Calculations includes the following: Principal $XXX,XXX.XX, Interest $XXX,XXX.XX, and Loan Costs $XX,XXX.XX. The defect can be cured by reimbursing the consumer or providing information as to the reason the violation is not valid. If curing with a reimbursement, the following documents are required: LOE to consumer, copy of the refund, and proof of delivery. |  | I had our closing manager take a look at the Trid issue on XXXXXXXX. He has indicated that we are in compliance. His only thought is that maybe you guys are running it with a monthly MI instead of a single premium. Can you have someone take another look and tell me if that is the case? Thanks! | 3/1/2022 Cleared. The violation was added in error. | 3/1/2022 Cleared. The violation was added in error. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626764 | Compliance | Compliance | Resolved | Resolved | YSG5BCBMAJA-U3A5AIF4 | Unable to Validate Origination QM Program | \* Unable to Validate what QM Program the Loan was Originated under (Lvl R) | The loan file was missing the Compliance Report for the subject loan transaction; therefore, unable to validate. |  |  | 5/13/2022: Not applicable. NonQM loan | 5/13/2022: Not applicable. NonQM loan | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626765 | Credit | Credit | Resolved | Resolved | 4ZK55VP3R1X-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file was missing the Compliance Report for the subject loan transaction. |  |  | 5/13/2022: Not required for XXXX NonQM Mortgage Plus program. | 5/13/2022: Not required for XXXX NonQM Mortgage Plus program. | Validated | GL Silent on the need for a Compliance Report |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626765 | Credit | Credit | Active | 2: Acceptable with Warnings | 4ZK55VP3R1X-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl 2) | The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX. |  |  |  |  | Not Reviewed | EVB finding |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626765 | Credit | Underwriting | Resolved | Resolved | 4ZK55VP3R1X-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl R) | The loan file was missing a copy of the 1008 for the subject loan transaction. |  |  | 3/2/2022: Resolved. The AUS replaces need for 1008. | 3/2/2022: Resolved. The AUS replaces need for 1008. | Validated | LP dated XX/XX/XXXX is in the file |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626765 | Compliance | Compliance | Resolved | Resolved | 4ZK55VP3R1X-U3A5AIF4 | Unable to Validate Origination QM Program | \* Unable to Validate what QM Program the Loan was Originated under (Lvl R) | The loan file was missing the Compliance Report for the subject loan transaction; therefore, unable to validate. |  |  | 5/13/2022: Not applicable. NonQM loan | 5/13/2022: Not applicable. NonQM loan | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626766 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 2XXNO3W3JBU-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626766 | Credit | Credit | Resolved | Resolved | 2XXNO3W3JBU-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file was missing the Compliance Report for the subject loan transaction. |  |  | 5/13/2022: XXXX XXX Rebuttals/Exceptions 5.10.2022 - Not required for XXXX NonQM Mortgage Plus. | 5/13/2022: XXXX XXX Rebuttals/Exceptions 5.10.2022 - Not required for XXXX NonQM Mortgage Plus. | Validated | GL Silent on the need for a Compliance Report |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626766 | Credit | Credit Worthiness | Active | 3: Curable | 2XXNO3W3JBU-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | The guidelines, XXXX Non-QM Mortgage Plus Guidelines dated XX/XX/XXXX, disclosed housing payment history in the form of mortgage history and/ or rental history, must be verified for the most recent 12 months.<br>The final 1003, on pages 284 and 291 of the loan file, disclosed the borrowers' departing residence was a rental property located at XXXX XXXXXXX, which the borrowers lived for 7 months with no primary housing expense.<br>The borrowers' previous departing residence was another rental property located at XXX X XXXXXXXX XX., which the borrowers lived for 2.9 years with a monthly rental amount of $XXX.XX.<br>The loan file did not contain any rental housing payment history verification documents for both the borrowers' current departing residence or the prior departing residence. <br>As a result, both the borrowers' required most recent 12 months housing histories were not verified.<br>Missing VOR documentation for both borrowers. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626766 | Credit | Doc Issue | Active | 3: Curable | 2XXNO3W3JBU-8R4R1817 | Credit score not provided | \* Credit score not provided (Lvl 3) |  |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626766 | Compliance | Compliance | Resolved | Resolved | 2XXNO3W3JBU-U3A5AIF4 | Unable to Validate Origination QM Program | \* Unable to Validate what QM Program the Loan was Originated under (Lvl R) | The loan file was missing the Compliance Report for the subject loan transaction; therefore, unable to validate. |  |  | 5/13/2022: XXXX XXX Rebuttals/Exceptions 5.10.2022 - Not required for XXXX NonQM Mortgage Plus. | 5/13/2022: XXXX XXX Rebuttals/Exceptions 5.10.2022 - Not required for XXXX NonQM Mortgage Plus. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626767 | Credit | DTI | Resolved | Resolved | BQYS4O4CO1Z-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl R) | Audit verified borrowers monthly income of $X,XXX.XX per the WVOE on file dated XX/XX/XXXX resulting in the DTI being 93.461% which exceeds the max of 60%. The lender verified the monthly income of $XX,XXX.XX documentation is needed supporting these findings. |  |  | 5/9/2022: Resolved. New WVOE from Equifax dated after closing shows borrowers base pay is $X,XXX bi-weekly. The borrower provided his pay-stub prior to closing dated XX/XX/XXXX showing he was paid out $X,XXX bi-weekly as check is dated XX/XX/XXXX-XX/XX/XXXX. He began job on XX/XX/XXXX. Borrowers previous earnings with prior employer were higher than his new income with new employer supporting his new base income. | 5/9/2022: Resolved. New WVOE from Equifax dated after closing shows borrowers base pay is $X,XXX bi-weekly. The borrower provided his pay-stub prior to closing dated XX/XX/XXXX showing he was paid out $X,XXX bi-weekly as check is dated XX/XX/XXXX-XX/XX/XXXX. He began job on XX/XX/XXXX. Borrowers previous earnings with prior employer were higher than his new income with new employer supporting his new base income. | Validated | The Work Number report and paystubs reflect pay rate of $X,XXX.XX semi monthly (p1-3 of Trailing docs). |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626767 | Credit | Eligibility | Resolved | Resolved | BQYS4O4CO1Z-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | Audit verified borrowers monthly income of $X,XXX.XX per the WVOE on file dated XX/XX/XXXX resulting in the DTI being 93.461% which exceeds the max of 60%. The lender verified the monthly income of $XX,XXX.XX documentation is needed supporting these findings. |  |  |  |  | Validated | The Work Number report and paystubs reflect pay rate of $X,XXX.XX semi monthly (p1-3 of Trailing docs). |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626767 | Compliance | Disclosures | Resolved | Resolved | BQYS4O4CO1Z-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | The initial 1003 provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  | Econsents XX/XX/XXXX | 5/9/2022 Remains. The econsent provided was signed at closing. The econsent requested is the one provided at time of initial application and addresses the initial documents. <br>5/12/2022 Cleared. The documentation submitted resolved the fail. | 5/9/2022 Remains. The econsent provided was signed at closing. The econsent requested is the one provided at time of initial application and addresses the initial documents. <br>5/12/2022 Cleared. The documentation submitted resolved the fail. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626768 | Compliance | Compliance | Active | 2: Acceptable with Warnings | NXAFVU3NJDK-95NA4ABR | TRID - SPL missing | \* TRID - SPL missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626770 | Valuation | ValuationWaterfall | Active | 3: Curable | YDKWOGFEJ3Y-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | CU score 2.8 missing additional valaution required to support original appraised value within 10% variance. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626770 | Credit | Credit Worthiness | Active | 3: Curable | YDKWOGFEJ3Y-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 3) | The final 1003 on page 214 reflects no primary housing expense for the last five months. However, the rent free letter is missing from the loan file. In addition, the file is missing seven months mortgage history for the former primary residence. The last mortgage on the credit reported XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626771 | Credit | Eligibility | Active | 3: Curable | 4P5WKFEY4YV-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 3) | The subject was purchased on XX/XX/XXXX for $XXX,XXX.XX per the HUD on page 183 and does not have 3 months seasoning as required by the guidelines in order to use the appraised value of $XXX,XXX.XX ds the 93% maximum LTV/CLTV guide for a X-Unit Investment property. Compensating factors: DTI is 32% below maximum DTI of 55%. (726) Representative credit score exceeds the minimum required credit score of (620) by (106) Points. | Low DTI Ratio - 24.42% DTI max allowed 55%. <br>High Credit Score - Loan has 726 FICO min required 640 |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626771 | Valuation | ValuationWaterfall | Active | 3: Curable | 4P5WKFEY4YV-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | The CU score is not required by the Lender. Missing additional valuation required to support original appraised value 1ithin 10% variance. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626771 | Credit | Eligibility | Active | 3: Curable | 4P5WKFEY4YV-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 3) | The subject was purchased on XX/XX/XXXX for $XXX,XXX.XX per the HUD on page 183 and does not have 3 months seasoning as required by the guidelines in order to use the appraised value of $XXX,XXX.XX ds the 93% maximum LTV/CLTV guide for a X-Unit Investment property. Compensating factors: DTI is 32% below maximum DTI of 55%. (726) Representative credit score exceeds the minimum required credit score of (620) by (106) Points. | Low DTI Ratio - 24.42% DTI max allowed 55%. <br>High Credit Score - Loan has 726 FICO min required 640 |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626776 | Credit | Doc Issue | Waived | Waived | JOTNEICA3AB-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl W) | The HOI in file on page 511 belongs to XXXXX XXXXXXX XXXXXX. The Deck page to TX XXXX XXXXXX XXXXXX XXXXXXXXXX (per page 753) is missing from the loan file. |  |  | 3/14/22: "no assignee liablity" | 3/14/22: "no assignee liablity" | Not Reviewed | Downgraded due to non-material |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626776 | Compliance | Compliance | Active | 2: Acceptable with Warnings | JOTNEICA3AB-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD's issued on XX/XX/XXXX and XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. If transaction meets guidelines for business purposes, the affidavit of occupancy and the letter from the consumer stating the cash is to be used for business purpose may cure the violation. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626776 | Credit | Guidelines | Waived | Waived | JOTNEICA3AB-PBHX5EGL | Verification of Rent | \* Verification of Rent (Lvl W) | According to the final 1003 on page 556, Borrower 3 has rented the subject property the last three years. However, a 12 month rental history was missing from the loan file. |  |  | 3/14/22: " non atr impact" | 3/14/22: " non atr impact" | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626778 | Credit | Credit | Waived | Waived | NX0XWLDOHNT-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl W) | The DTI of 55.603% exceeded the maximum DTI limit of 55%. | High Credit Score - 706 Representative credit score exceeds the minimum required credit score of 640 by 66 Points. |  | 3/14/2022: "stated defect" | 3/14/2022: "stated defect" | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626778 | Credit | Credit Worthiness | Waived | Waived | NX0XWLDOHNT-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl W) | The final 1003 indicated the Borrower has rented for 1.1 years at XXXX XXXXXXXXXX XXXXX. However, a 12 month rental history is missing from the loan file. |  |  | 3/14/2022: " non ATR impact" | 3/14/2022: " non ATR impact" | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626778 | Credit | Eligibility | Waived | Waived | NX0XWLDOHNT-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl W) | The CLTV of 102.290% exceeded the maximum CLTV limit of 100% per the guideline. | High Credit Score - 706 Representative credit score exceeds the minimum required credit score of 640 by 66 Points. |  | 3/14/2022: " No impact to ATR, loan was bid with an LTV of 96.50%" | 3/14/2022: " No impact to ATR, loan was bid with an LTV of 96.50%" | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626779 | Valuation | Doc Issue | Active | 3: Curable | DYALMJVP30R-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 3) | A full appraisal is not in the loan file as required. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626783 | Credit | DTI | Waived | Waived | L0YUFND5TKT-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl W) | Originator calculated income $X,XXX.XX base on XXXX & XXXX Sch C Tax returns resulting in a DTI of 45.XX,XXX.XX XX/XX $X,XXX.XX. Borrower XXXX Sch C returns show a significant increase in income from prior year. Loan file did not contained evidence of XXXX tax transcript been filed. Audit recalculated income resulting in a Housing ratio 59.40%, DTI 77.50%. Max DTI allowed 55% per XXXX GLS. Lender to provide XXXX 1040 Tax Transcript supporting Sch C income of $XX,XXX.XX/Yr. |  |  | 3/14/22: " Issue is related to the known defect/DTI acceptable" | 3/14/22: " Issue is related to the known defect/DTI acceptable" | Not Reviewed | Loan file included XXXX 1040 with Schedule C income of $XX,XXX for the year as required by the comments (p819, p824) |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626783 | Credit | Eligibility | Waived | Waived | L0YUFND5TKT-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl W) | Originator calculated income $X,XXX.XX base on XXXX & XXXX Sch C Tax returns resulting in a DTI of 45.XX,XXX.XX XX/XX $X,XXX.XX. Borrower XXXX Sch C returns show a significant increase in income from prior year. Loan file did not contained evidence of XXXX tax transcript been filed. Audit recalculated income resulting in a Housing ratio 59.40%, DTI 77.50%. Max DTI allowed 55% per XXXX GLS. Lender to provide XXXX 1040 Tax Transcript supporting Sch C income of $XX,XXX.XX/Yr. |  |  | 3/14/22: " Issue is related to the known defect/DTI acceptable" | 3/14/22: " Issue is related to the known defect/DTI acceptable" | Not Reviewed | Loan file included XXXX 1040 with Schedule C income of $XX,XXX for the year as required by the comments (p819, p824) |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626783 | Credit | Credit | Waived | Waived | L0YUFND5TKT-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl W) | Borrower has $XXX.XX residual income after all expenses which is less than month PITI. |  |  | 3/14/22: " Issue is related to the known defect/DTI acceptable" | 3/14/22: " Issue is related to the known defect/DTI acceptable" | Not Reviewed | Loan file included XXXX 1040 with Schedule C income of $XX,XXX for the year as required by the comments (p819, p824) |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626783 | Credit | Eligibility | Waived | Waived | L0YUFND5TKT-LZI5MP1V | Front Ratio does not meet eligibility requirements | \* Housing (Front) Ratio does not meet eligibility requirement(s) (Lvl W) | Originator calculated income $X,XXX.XX base on XXXX & XXXX Sch C Tax returns resulting in a DTI of 45.XX,XXX.XX XX/XX $X,XXX.XX. Borrower XXXX Sch C returns show a significant increase in income from prior year. Loan file did not contained evidence of XXXX tax transcript been filed. Audit recalculated income resulting in a Housing ratio 59.40%, DTI 77.50%. Max DTI allowed 55% per XXXX GLS. Lender to provide XXXX 1040 Tax Transcript supporting Sch C income of $XX,XXX.XX/Yr. |  |  | 3/14/22: " Issue is related to the known defect/DTI acceptable" | 3/14/22: " Issue is related to the known defect/DTI acceptable" | Not Reviewed | Loan file included XXXX 1040 with Schedule C income of $XX,XXX for the year as required by the comments (p819, p824) |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626784 | Compliance | Compliance | Waived | Waived | MVPKKJXCABI-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl W) | There is no evidence of an initial CD provided to the non-borrower. Per regulation, CD(s) must be provided to all who have the right to rescind. The defect can be resolved by providing evidence showing the non-borrower received the disclosure timely. If disclosure was received electronically, the Econsent is required as well. |  |  | 3/15/22: "no assignee liablity" | 3/15/22: "no assignee liablity" | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626785 | Credit | Credit | Waived | Waived | 25SLHXC40BE-HZ5671LK | Missing Doc | \* Missing Doc (Lvl W) | Page 2 - The appraisal shows there is no seller credit. The CD shows there is a $XX,XXX.XX seller credit on page 80. |  |  | 4/13/2022: Waived by XXXX "No assignee liability, acceptable." | 4/13/2022: Waived by XXXX "No assignee liability, acceptable." | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626785 | Compliance | Compliance | Waived | Waived | 25SLHXC40BE-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl W) | A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX1. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. |  |  | 4/13/2022: Waived by XXXX. " No assignee liability. | 4/13/2022: Waived by XXXX. " No assignee liability. | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626791 | Credit | Income | Resolved | Resolved | MKQ0ROPMD1Z-7ZU2HIM5 | Missing sufficient employment documentation (ATR) | \* Missing sufficient employment documentation (ATR) (Lvl R) | Missing 2 years consistent employment. Borrower has been working at XXXX XX XXXXXXXX XXXXX since XX/XX/XXXXX, prior employment was at XX XXXXXXX from XX/XX/XXXXX-XX/XX/XXXX. There is a 1+ year gap of employment with no letter of explanation. Borrower's prior employment before XX XXXXXX was at XXXXX XXXXXXX XXX XXXXXXX from XX/XX/XXXX to XX/XX/XXXX and XXX XXXXXXXXXX XXX XXX from XX/XX/XXXX-XX/XX/XXXX, another 1+ year gap of employment with no letter of explanation. Employment history is not consistent. |  |  | 5/31/2022: Remains. Received the same VOEs that support the employment history listed. missing employment history for XX/XX/XXXX to XX/XXXX<br> 6/14/2022: Resolved. Received LOX for XX/XXXX to XX/XXXX gap of employment from the borrower | 5/31/2022: Remains. Received the same VOEs that support the employment history listed. missing employment history for XX/XX/XXXX to XX/XXXX<br> 6/14/2022: Resolved. Received LOX for XX/XXXX to XX/XXXX gap of employment from the borrower | Validated | Documentation for employment gap present in trailing docs page |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626793 | Credit | Doc Issue | Resolved | Resolved | XVA020OTLUF-SQBKTREO | Condo / PUD rider Missing | \* Condo / PUD rider Missing (Lvl R) | The Security Instrument is missing the following: PUD Rider. |  |  | 10/21/2022: Resolved. Pud Rider received. | 10/21/2022: Resolved. Pud Rider received. | Validated | PUD Rider on page 47 of Trailing docs |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626793 | Credit | Eligibility | Waived | Waived | XVA020OTLUF-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl W) | Lender guidelines page 64 states: Income used to qualify must not exceed the income disclosed on the initial signed loan application. The lower of the P&L net income (monthly average) from the validated third-party prepared P&L or the initial signed loan application income must be used as qualifying income. The initial signed loan application reflects income disclosed of $XX,XXX.XX/month (p.8). The P&L is missing. Based on guidelines, the income used to qualify must not have exceeded $XX,XXX.XX/month. Origination income used was $XX,XXX.XX/month. Audit utilized initial application income of $XX,XXX.XX/month resulting in a DTI of 58.390%, which exceeds the maximum allowable of 43% by 15.39%. | 65% LTV is below the maximum 75% LTV by 10%. $90,209.42 reserves exceed the minimum required of $35,157.84 which exceeds the minimum by 18.79 months over the required minimum of 12 months. Borrower has been self-employed at current job for 26 years. Borrower has lived in subject property 10 years. |  |  |  | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626793 | Credit | Credit | Waived | Waived | XVA020OTLUF-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl W) | Lender guidelines page 64 states: Income used to qualify must not exceed the income disclosed on the initial signed loan application. The lower of the P&L net income (monthly average) from the validated third-party prepared P&L or the initial signed loan application income must be used as qualifying income. The initial signed loan application reflects income disclosed of $XX,XXX.XX /month (p.8). The P&L is missing. Based on guidelines, the income used to qualify must not have exceeded $XX,XXX.XX/month. Origination income used was $XX,XXX.XX/month. Audit utilized initial application income of $XX,XXX.XX/month resulting in a DTI of 58.390%, which exceeds the maximum allowable of 43% by 15.39%. | 65% LTV is below the maximum 75% LTV by 10%. $90,209.42 reserves exceed the minimum required of $35,157.84 which exceeds the minimum by 18.79 months over the required minimum of 12 months. Borrower has been self-employed at current job for 26 years. Borrower has lived in subject property 10 years. |  |  |  | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626793 | Credit | Insurance | Resolved | Resolved | XVA020OTLUF-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | The hazard insurance policy in the file (p.496) reflects the prior mortgage holder. The loan file is missing the updated policy with the subject lender as the Mortgagee. |  |  |  |  | Unvalidated | Evidence of Hazard Insurance with correct mortgage holder was not provided. | Evidence of insurance provided | N/A | Clear | Unvalidated<br> HOI documentation for the subject loan was not found in a re-review of the loan file and trailing file. Only the prior policy was provided. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626793 | Credit | Credit | Waived | Waived | XVA020OTLUF-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl W) | Lender guidelines page 64 states: P&L prepared by a third-party (licensed tax preparer) covering either the same two (2) year period as the bank statements or the most recent two (2) calendar years is required. The P&L should be signed by the preparer and the borrower. The loan file is missing the required P&L covering XX/XXXX-XX/XXXX. |  |  |  |  | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626793 | Compliance | Compliance | Waived | Waived | XVA020OTLUF-FR16UVJK | QM Points and Fees | \* QM Points and Fees (Lvl W) | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)) The loan amount is $XXX,XXX.XX0 or more, and the transaction's total points and fees is $XX,XXX.XX which exceeds 3 percent of the total loan amount of $XXX,XXX.XX. The following fees were included in the calculation: Points $XX,XXX.XX, Processing $XXX, and Underwriting $XXX.XX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. |  |  | 10/26/2022 Remains. The documentation provided is not sufficient to cure the violation because the PAR rate was not provided. The Pricing document was provided but auditor does not have the adjustments necessary to calculate the PAR rate. The defect can be resolved by providing the PAR rate for testing. <br>10/27/2022 Remains. This is a post close review and auditor does not have all the required information to determine the PAR (undiscounted rate). The defect can be resolved by providing the PAR (undiscounted rate), not the pricing sheets. | 10/26/2022 Remains. The documentation provided is not sufficient to cure the violation because the PAR rate was not provided. The Pricing document was provided but auditor does not have the adjustments necessary to calculate the PAR rate. The defect can be resolved by providing the PAR rate for testing. <br>10/27/2022 Remains. This is a post close review and auditor does not have all the required information to determine the PAR (undiscounted rate). The defect can be resolved by providing the PAR (undiscounted rate), not the pricing sheets. | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626793 | Credit | Eligibility | Waived | Waived | XVA020OTLUF-GBBTF6MZ | Qual Credit Score does not meet elig. requirements | \* Qualifying Credit Score does not meet eligibility requirement(s) (Lvl W) | Qualifying score is 637. Lender guidelines reflect the minimum required score for a cash out refinance between $XXX,XXX.XX-$XXX,XXX.XX with an LTV up to 75% is 640. | 65% LTV is below the maximum 75% LTV by 10%. $90,209.42 reserves exceed the minimum required of $35,157.84 which exceeds the minimum by 18.79 months over the required minimum of 12 months. Borrower has been self-employed at current job for 26 years. Borrower has lived in subject property 10 years. |  |  |  | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626794 | Valuation | ValuationWaterfall | Resolved | Resolved | ISD4HY3QVUY-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The secondary valuation to support the value within 10% and with a confidence factor of 90% was missing from the loan file. |  |  |  |  | Unvalidated | Secondary valuation was not provided. | Compensating factors | BPO supports value. Reserves = 17386; DTI = 42.90249; LTV = 96.5; FICO = 746 | Clear | Check BPO value |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626794 | Credit | Eligibility | Resolved | Resolved | ISD4HY3QVUY-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl R) | The CLTV is 101.65% which exceeds maximum LTV of 100% per guidelines. |  |  | 12/22/2022: Resolved. | 12/22/2022: Resolved. | Unvalidated | No documentation provided to indicate how the exception was resolved | Compensating factors | BPO supports value. Reserves = 17386; DTI = 42.90249; LTV = 96.5; FICO = 746 | Clear | Does BPO support 101.65% CLTV? |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626794 | Credit | Credit | Resolved | Resolved | ISD4HY3QVUY-JTR5EY70 | Unable to verify PITI on simultaneous loan (ATR) | \* Unable to verify PITI on simultaneous loan (ATR) (Lvl R) | The loan file is missing the second lien note to confirm payments and final DTI. |  |  | 12/22/2022: Resolved. | 12/22/2022: Resolved. | Validated | The 2nd lien note is on page 275. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626796 | Credit | Credit | Waived | Waived | IKQH4I5WVQQ-0BLBZVJN | Credit | \* Missing Documentation (Lvl W) | According to the credit report (p.217), the borrower obtained a loan with XXXXXXXX XXX opened XX/XXXX in the amount of $XXX,XXX.XX with a balance of $XXX,XXX.XX as of XX/XXXX that shows a zero balance on the credit supplement as of XX/XX/XXXX (p.214). The loan file is missing the source of funds used to pay off this debt. |  |  |  |  | Not Reviewed | SOF for payoff of Porsche account page 459 via gift |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626796 | Credit | Other Disclosures | Resolved | Resolved | IKQH4I5WVQQ-J67UPU9C | Final Application is missing | \* Final Application is missing (Lvl R) | The final application is missing from the loan file. |  |  | 5/17/2023: Resolved. Received final executed application. | 5/17/2023: Resolved. Received final executed application. | Validated | Final, signed 1003 located on page 19 trailing folder. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626796 | Credit | Credit | Waived | Waived | IKQH4I5WVQQ-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl W) | The loan file contains a gift letter for a gift in the amount of $XXX,XXX.XX (p.459) and donors ability showing the withdrawal of the funds (p.301); however, the loan file is missing evidence of the receipt of the funds. |  |  |  |  | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626796 | Compliance | Compliance | Active | 2: Acceptable with Warnings | IKQH4I5WVQQ-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 2) | The PCCD issued XX/XX/XXXX is inaccurate. The Survey Fee that was added on XX/XX/XXXX, was removed from said PCCD. The PCCD was provided because a refund was given to the consumer. The Survey fee should have not been removed from the disclosure as it was charged at consummation. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626796 | Compliance | Compliance | Active | 2: Acceptable with Warnings | IKQH4I5WVQQ-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX2. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626796 | Credit | Title Issue | Resolved | Resolved | IKQH4I5WVQQ-3MGROFI3 | Title issue | \* Title issue (Lvl R) | The preliminary title requires a UCC Termination for financing with XXXXX XXXXXX XXX (p.66). The contract includes a Rider (p.628) stating the seller is to pay off XXXXX XXXXXX at closing from seller's net proceeds. The final CD does not reflect a payoff to XXXXX XXXXXXc on the seller's side and the loan file does not contain a copy of the UCC Termination. |  |  | 5/17/2023: Resolved. Received copy of UCC and Sellers CD showing the payoff of the UCC for XXXXX from XXXXXX. The UCC may not appear on final title. | 5/17/2023: Resolved. Received copy of UCC and Sellers CD showing the payoff of the UCC for XXXXX from XXXXXX. The UCC may not appear on final title. | Validated | UCC is trailing doc |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626796 | Compliance | Compliance | Resolved | Resolved | IKQH4I5WVQQ-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl R) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The addition of the Survey fee on the CD issued XX/XX/XXXX was not accepted because a valid reason was not provided. A cost to cure in the amount of $XXX.XX is required. The fee was tested under 10% tolerance because the fee was not added to any LE. If the consumer was permitted to shop for the service, the service should have been disclosed in Section C of the LEs. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 5/23/2023 Remains. The violation cannot be resolved because a copy of the refund and proof of delivery was not provided. A cost to cure in the amount of $XXX.X is required. The violation can be cured by providing a copy of the check and proof of delivery (mailing label). In lieu of the mailing label, the canceled check will suffice. <br> 6/5/2023 Remains. Although the LOE, PCCD, and copy of the check have been provided, the violation remains because proof of delivery is missing. The documentation contains the Check Request; however, proof that the check has been sent to the consumer has not been provided. In lieu of a mailing label, the violation can be cured by providing a copy of the canceled check. <br> 6/6/2023 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | 5/23/2023 Remains. The violation cannot be resolved because a copy of the refund and proof of delivery was not provided. A cost to cure in the amount of $XXX.X is required. The violation can be cured by providing a copy of the check and proof of delivery (mailing label). In lieu of the mailing label, the canceled check will suffice. <br> 6/5/2023 Remains. Although the LOE, PCCD, and copy of the check have been provided, the violation remains because proof of delivery is missing. The documentation contains the Check Request; however, proof that the check has been sent to the consumer has not been provided. In lieu of a mailing label, the violation can be cured by providing a copy of the canceled check. <br> 6/6/2023 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626798 | Credit | Guidelines | Resolved | Resolved | 53RYQD0L324-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl R) | Social security income was documented with the XXXX tax return and transcript (p.219, 213). XXXX guidelines require social security to be verified with one of the following: Social Security Administration benefit letter, Form SSA-1099, or Bank Statements or other acceptable documentation evidencing at least two months of receipt of benefit. The loan file does not contain any of the above items as required. |  |  | 7/17/2023: Cleared. XXXX accepting the tax return and transcripts for 2 months of benefits. | 7/17/2023: Cleared. XXXX accepting the tax return and transcripts for 2 months of benefits. | Validated | XXXX accepted tax return and transcripts for 2 months of benefits. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626799 | Compliance | Compliance | Resolved | Resolved | LT5AMLK5U2L-ALRISXDQ | ComplianceEase State Regulations Test Failed | \* ComplianceEase State Regulations Test Failed (Lvl R) | This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($X,XXX.XX) exceeds the per diem interest charge or credit threshold ($X,XXX.XX). The violation may be resolved by providing a PCCD with the true funding date. The following document are required as well: LOE to consumer and proof of delivery (mailing label). |  |  | 8/1/2023 Resolved. The provided PCCD with final figures was sufficient to cure the state violation. | 8/1/2023 Resolved. The provided PCCD with final figures was sufficient to cure the state violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626799 | Credit | Credit | Resolved | Resolved | LT5AMLK5U2L-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The borrower's XXXX Schedule E figures (p.794) and the XXXX K1's do not match (p.670, 737) and the co-borrowers XXXX Schedule E figures (p.882) and theXXXX K1's do not match (p.672, 739). The file contains IRS tax transcripts that support the XXXX tax returns for both borrowers. The loan file does not contain clarification for the discrepancies between the financial documents used to calculate the income for both borrowers. |  |  | 8/2/2023: Remains: The XXXX K1 from XXXX XXXX XXX for B1 shows a loss of $X,XXX; however, his Schedule E shows a loss of $X,XXX for XXXX XXXX XXX. The difference is $X,XXX. This is the amount that shows on the XXXX Schedule E for B2 from XXXX XXXX XXX.; however, the XXXX K1 for B2 from XXXX XXXX XXX shows $X. The loan file does not contain an explanation for the discrepancy.<br> 8/2/2023: Resolved. Used the worst case scenerio by using the lower figure of $X,XXX from Schedule E and DTI is 44.119% which is within tolerance. | 8/2/2023: Remains: The XXXX K1 from XXXX XXXX XXX for B1 shows a loss of $X,XXX; however, his Schedule E shows a loss of $X,XXX for XXXX XXXX XXX. The difference is $X,XXX. This is the amount that shows on the XXXX Schedule E for B2 from XXXX XXXX XXX.; however, the XXXX K1 for B2 from XXXX XXXX XXX shows $X. The loan file does not contain an explanation for the discrepancy.<br> 8/2/2023: Resolved. Used the worst case scenerio by using the lower figure of $X,XXX from Schedule E and DTI is 44.119% which is within tolerance. | Validated | Lender comments indicated used less income to calculate DTI |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626799 | Compliance | Compliance | Resolved | Resolved | LT5AMLK5U2L-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | The transaction funded prior to consummation. Per the CD issued XX/XX/XXXX, the transaction funded on XX/XX/XXXX; however, consummation took place on XX/XX/XXXX. The defect can be resolved by providing the true funding date. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The transaction is a refinance of an investment property. The statute of limitation has expired. |  |  | 8/1/2023 Resolved. The provided PCCD with final figures is sufficient to cure the funding violation. | 8/1/2023 Resolved. The provided PCCD with final figures is sufficient to cure the funding violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626799 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | LT5AMLK5U2L-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The initial disclosures (initial 1003, initial LE, HOC) provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The transaction is a refinance of an investment property. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626799 | Compliance | Compliance | Active | 2: Acceptable with Warnings | LT5AMLK5U2L-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purpoXX/XX/XXXX did not reset the baseline. The violation may be cured if documentation is provided showing the disclosure was delivered timely. If transaction meets guidelines for business purposes, the affidavit of occupancy and the statement from the consumer stating the cash is to be used for business purpose may cure the violation. The transaction is a refinance of an investment property. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626799 | Compliance | Compliance | Active | 2: Acceptable with Warnings | LT5AMLK5U2L-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) Although evidence was provided showing the consumer received the disclosure electronically, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626800 | Credit | Underwriting | Resolved | Resolved | FPBEWERQWI2-PH3WIAVD | Income | \* Income documentation is incomplete (Lvl R) | XXXX Lender guidelines (p.42) states Business tax returns from the most recent year is required and if the borrower has an ownership interest less than 50%, then the business/partner returns are not required. Per the XXXX K1's for XXX XXXXXXXXXX XXX (p.463,465), each borrower owns 50% of the business. The loan file is missing the XXXX 1065 return or XXXX extension and XXXX 1065 return for XXX XXXXXXXXXX XXX as required by lender guidelines. It is to be noted, the income from this business was not used to qualify; however, guidelines require. The requirement of the business returns is to ensure the businesses do not have a Loss which XXXX would take into consideration (Audit DTI is 34.022%). |  |  | 7/19/2023: Cleared. XXXX not requiring. | 7/19/2023: Cleared. XXXX not requiring. | Validated | XXXX not requiring |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626800 | Credit | Guidelines | Resolved | Resolved | FPBEWERQWI2-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl R) | XXXX Lender guidelines (p.42) states Business tax returns from the most recent year is required and if the borrower has an ownership interest less than 50%, then the business/partner returns are not required. Per the XXXX K1's for XXX XXXXXXXXXXX XXX (p.463,465), each borrower owns 50% of the business. The loan file is missing the XXXX 1065 return or XXXX extension and XXXX 1065 return for XXX XXXXXXXXXXX XXX as required by lender guidelines. It is to be noted, the income from this business was not used to qualify; however, guidelines require. |  |  | 7/17/2023: Cleared. XXXX confirmed not needed if not used for qualifying. | 7/17/2023: Cleared. XXXX confirmed not needed if not used for qualifying. | Validated | XXXX confirmed not needed if not used for qualifying. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626801 | Credit | Credit | Resolved | Resolved | PF5UP4XMEST-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | Per the credit supplement (p.324), the borrower made a payment of $XXX,XXX.XX on XX/XX/XXXX to the XXXXX XXXXX HELOC secured to the departure residence. The loan file does not contain the source of funds used to make this payment to verify no additional loans were obtained. |  |  | 6/29/2023: Cleared. Payment was made 11 months prior to closing. | 6/29/2023: Cleared. Payment was made 11 months prior to closing. | Validated | Source of funds not required, no evidence of additional debt opened following large payment |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626801 | Credit | Credit | Resolved | Resolved | PF5UP4XMEST-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The loan file is missing the source of funds for the deposit on XX/XX/XXXXin the amount of $XX,XXX.XX into XX #XXXX (p.418) that was used for the $XX,XXX.XX portion of the EMD that was wired on XX/XX/XXXX from the same account (p.414). |  |  | 6/29/2023: Cleared. Email LOE for sale of XXXXXXXX which will be reported on K1 Q1 XXXX confirms the amount the BRWs received. | 6/29/2023: Cleared. Email LOE for sale of XXXXXXXX which will be reported on K1 Q1 XXXX confirms the amount the BRWs received. | Validated | Documentation provided in trailing docs sufficient to resolve exception |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626801 | Credit | Doc Issue | Resolved | Resolved | PF5UP4XMEST-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl R) | The loan file is missing the origination credit report dated XX/XX/XXXX with a reference # XXXXXXXXXX that was used at origination per the DU findings (p.104). There is a credit supplement dated XX/XX/XXXX (p.324) fXX/XX/XXXX (p.359); however, the origination credit report is missing. |  |  | 6/29/2023: Cleared. | 6/29/2023: Cleared. | Validated | Credit report on page 11, trailing doc folder |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626801 | Valuation | Value | Active | 2: Acceptable with Warnings | PF5UP4XMEST-M0XGEFL4 | Quality of Appraisal Report Unacceptable | \* Quality of Appraisal Report Unacceptable (Lvl 2) | Appraisal contract review reflects seller credit of $X, whereas the final CD reflects a seller credit of $X,XXX.XX and lender credit of $X,XXX.XX. The Addendum reflecting the seller/lender credit (p.463) was dated XX/XX/XXXX, which was prior to the completion of the appraisal on XX/XX/XXXX; therefore should have been listed on the appraisal. |  |  |  |  | Not Reviewed | Finding was acknowledged and downgraded. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626802 | Compliance | Compliance | Active | 2: Acceptable with Warnings | XJIREJTBNY5-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revise XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626802 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | XJIREJTBNY5-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The Survey was disclosed in Section B of the CD issued on XX/XX/XXXX. However, the fee should have been disclosed under Section C because the consumer did not choose the provider on the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626802 | Compliance | Compliance | Resolved | Resolved | XJIREJTBNY5-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the appraisal fee on the CD issued XX/XX/XXXX was not accepted because a valid reason was not provided. A cost to cure in the amount of $XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 10/30/2023 Remains. No document / information was provided. <br> 10/31/2023 Resolved. Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | 10/30/2023 Remains. No document / information was provided. <br> 10/31/2023 Resolved. Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626803 | Credit | Credit | Resolved | Resolved | 3MMEU4VAT22-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file is missing the mortgage statements, taxes and insurance validation for the property at XXXXXXX XXXXXX and XXXXX XXXXX to verify monthly PITIA to determine final DTI. |  |  | 9/21/2023: Cleared. Both statements have escrow being collected. | 9/21/2023: Cleared. Both statements have escrow being collected. | Validated | Comments indicate issue doesn't impact ability to purchase loan. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626804 | Compliance | Compliance | Resolved | Resolved | VCS0LC3OVHT-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | This loan failed the revised Closing Disclosure delivery date test (waiting period required). An APR change required a revised Closing Disclosure. The Revised CD issued on XX/XX/XXXX is above the allowable tolerance (0.125%/0.25% (if ARM)). The revised CD issued on XX/XX/XXXX had an APR of 6.406 which is an increase from the previous CD issued on XX/XX/XXXX with an APR of 5.592. The APR increased by 0.814 which is above the allowable tolerance. The Revised CD issued on XX/XX/XXXX and received on XX/XX/XXXX was not received by the borrower at least three business days prior to the Consummation Date, XX/XX/XXXX. The only disclosures provided in the file were as follows: LE XX/XX/XXXX, LE XX/XX/XXXX, CD XX/XX/XXXX, and CD XX/XX/XXXX. |  |  | 9/21/2023 Resolved. The documentation provided is sufficient to cure the violation. | 9/21/2023 Resolved. The documentation provided is sufficient to cure the violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626804 | Compliance | Compliance | Resolved | Resolved | VCS0LC3OVHT-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fees on the CD issued XX/XX/XXXX were not accepted because a valid reason was not provided: discount points and appraisal update. The only disclosures provided in the file were as follows: LE XX/XX/XXXX, LE XX/XX/XXXX, CD XX/XX/XXXX, and CD XX/XX/XXXX. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the additions. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 9/21/2023 Resolved. The documentation provided is sufficient to cure the violation. | 9/21/2023 Resolved. The documentation provided is sufficient to cure the violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626806 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 4OQT0ZXETQA-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626806 | Compliance | Disclosures | Resolved | Resolved | 4OQT0ZXETQA-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  | 11/20/2023 Resolved. The E-consent provided is sufficient to cure the violation. | 11/20/2023 Resolved. The E-consent provided is sufficient to cure the violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626806 | Compliance | Compliance | Resolved | Resolved | 4OQT0ZXETQA-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl R) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the recording fee on CD XX/XX/XXXX was not accepted because a valid reason was not provided. The change resulted in the 10% thresXXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 11/20/2023 Remains. The information provided is not sufficient to cure the violation. The reason provided on the document is that the updated title fees were received and that the recording fee increased. The reason was not accepted because per regulation, miscalculations and underestimations are not a valid reasons. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br> 11/22/2023 Remains. The documentation provided is not sufficient to cure the violation because a copy of the refund was not provided. <br> 11/24/2023 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | 11/20/2023 Remains. The information provided is not sufficient to cure the violation. The reason provided on the document is that the updated title fees were received and that the recording fee increased. The reason was not accepted because per regulation, miscalculations and underestimations are not a valid reasons. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br> 11/22/2023 Remains. The documentation provided is not sufficient to cure the violation because a copy of the refund was not provided. <br> 11/24/2023 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626808 | Valuation | Doc Issue | Resolved | Resolved | GZ13JP3EROA-SWGGJEY3 | Missing flood cert | \* Missing flood cert (Lvl R) | The loan file does not contain a flood cert. |  |  | 12/4/2023: Cleared. Received Flood cert. | 12/4/2023: Cleared. Received Flood cert. | Validated | Flood cert on p13 of trailing docs. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626810 | Compliance | Compliance | Resolved | Resolved | KXM4JCABWXK-5ARCFLMQ | TRID CD at consummation | \* TRID CD at consummation (Lvl R) | The file is missing evidence showing that the consumers were provided a copy of the final CD at least one day prior to the consummation date XX/XX/XXXX. Per regulation (RULE §153.13), an equity loan may not be closed before one business day after the date that the owner of the homestead receives a final itemized disclosure of the actual fees, points, interest, costs, and charges that will be charged at closing. The violation may be resolved by providing evidence showing the consumer received the disclosure timely. |  |  | 1/12/2024 Resolved. The documentation provided is sufficient to cure the violation. Although final figures were not provided one day prior to closing, the violation can be resolved because final figures decreased from the previous CD; therefore, "the modification does not create a material adverse financial consequence to the owner". | 1/12/2024 Resolved. The documentation provided is sufficient to cure the violation. Although final figures were not provided one day prior to closing, the violation can be resolved because final figures decreased from the previous CD; therefore, "the modification does not create a material adverse financial consequence to the owner". | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626811 | Credit | Credit | Resolved | Resolved | TKMZAVADCFP-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file contained the first page of Partnership returns on page 744 and 743 for properties at XXXX XXXXX XXXXX XX that is not showing on the loan application, and X XXX X property. The additional pages to these returns no K1's were not provided in file. This partnership income does not reflect on borrower personal returns on page 1111. Unclear the status of these XXXXX XXXXX property and income or loss generated. |  |  | 12/19/2023: Remains. The property at X XXX X shows on the partnership return on pg 744 and the borrower has signed the 1st page of the return and this property is listed. Information is needed regarding this property and the K1's. The property at XXXX XXXXX XXXXX XXXXX on page 743 shows a partnership return and the borrower has singed the 1st page of the return with the property listed. Only the 1st pages of these partnership returns were received and K1's for businesses are missing and are not reflected on personal returns of page 1111.<br> 1/11/2024: Remains. Received verification borrower still owns XXXX XXXX XXXXX XXXXX XXXXX. the remaining items were not received: The property at X XXX X shows on the partnership return on pg 744 and the borrower has signed the 1st page of the return and this property is listed. Information is needed regarding this property and the K1's. The property at XXXX XXXXX XXXXX XXXXX on page 743 shows a partnership return and the borrower has singed the 1st page of the return with the property listed. Only the 1st pages of these partnership returns were received and K1's for businesses are missing and are not reflected on personal returns of page 1111.<br> 1/23/2024: Cleared. Received additional income documents that confirm the income required to meet the DTI. <br>| 12/19/2023: Remains. The property at X XXX X shows on the partnership return on pg 744 and the borrower has signed the 1st page of the return and this property is listed. Information is needed regarding this property and the K1's. The property at XXXX XXXXX XXXXX XXXXX on page 743 shows a partnership return and the borrower has singed the 1st page of the return with the property listed. Only the 1st pages of these partnership returns were received and K1's for businesses are missing and are not reflected on personal returns of page 1111.<br> 1/11/2024: Remains. Received verification borrower still owns XXXX XXXX XXXXX XXXXX XXXXX. the remaining items were not received: The property at X XXX X shows on the partnership return on pg 744 and the borrower has signed the 1st page of the return and this property is listed. Information is needed regarding this property and the K1's. The property at XXXX XXXXX XXXXX XXXXX on page 743 shows a partnership return and the borrower has singed the 1st page of the return with the property listed. Only the 1st pages of these partnership returns were received and K1's for businesses are missing and are not reflected on personal returns of page 1111.<br> 1/23/2024: Cleared. Received additional income documents that confirm the income required to meet the DTI. <br>| Validated | Documentation provided in trailing docs for positive rental income for the X XXX X property and evidence the borrowers no longer own the XXXXX XXXXX property |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626811 | Credit | Eligibility | Resolved | Resolved | TKMZAVADCFP-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | DTI can not be determined due to missing debt and income items. The loan file is missing the following items for the rental properties listed on the application: X XXXXX XXX, X XXXX X taxes and HOI, X XXX X, taxes. The loan does not contain proof the following 4 properties are free and clear: X XXXXX XXXXXX, X XXXX X, X XXX X, XXXX X. The loan file did not contain any leases for the properties to offset the monthly obligations with the exception of the XXXXX property which reports on tax returns. |  |  | 12/19/2023: Remains. The following items are still needed to detemine final DTI. The loan file is missing the following items for the rental properties listed on the application: X XXXX X - HOI, X XXX X - taxes. The loan does not contain proof the following 4 properties are free and clear: X XXXXX XXXXXX, X XXXX X, X XXX X, XXXX X. The loan file did not contain any leases for the following properties to offset the mortgage obligations. The loan does not DTI with full payments counted, DTI is 84%. 1030 S 300 E, no lease in file only front page of XXXXXXXXXXX XXXXXXX, pg 744 that do not include any income information. No leases were provided for XXX-XXX XXXXXXXX XXX., XXXX X XXXXXX XXXXXX, XXX X XXXX X, XXX X XXX X, XXX X XXX X. <br> 1/11/2023: Remains. Nothing received to clear above findings. Received additional copies of CD for closing of 2 new properties purchased at XXXXXXX XX and X XXX X. These items were in original loan file. The following items are still needed to detemine final DTI. The loan file is missing the following items for the rental properties listed on the application: X XXXX X - HOI, X XXX X - taxes. The loan does not contain proof the following 4 properties are free and clear: X XXXXX XXXXXX, X XXXX X, X XXX X, XXXX X. The loan file did not contain any leases for the following properties to offset the mortgage obligations. The loan does not DTI with full payments counted, DTI is 84%. XXXX X XXX X, no lease in file only front page of XXXXXXXXXXXX XXXXXXX, pg 744 that do not include any income information. No leases were provided for XXX-XXX XXXXXXX XXX., XXXX X XXXXX XXXXXX, XXX X XXXX X, XXX X XXX X, XXX X XXX X. <br> 1/23/2024: Cleared. Received additional income documents that confirm the income required to meet the DTI. | 12/19/2023: Remains. The following items are still needed to detemine final DTI. The loan file is missing the following items for the rental properties listed on the application: X XXXX X - HOI, X XXX X - taxes. The loan does not contain proof the following 4 properties are free and clear: X XXXXX XXXXXX, X XXXX X, X XXX X, XXXX X. The loan file did not contain any leases for the following properties to offset the mortgage obligations. The loan does not DTI with full payments counted, DTI is 84%. 1030 S 300 E, no lease in file only front page of XXXXXXXXXXX XXXXXXX, pg 744 that do not include any income information. No leases were provided for XXX-XXX XXXXXXXX XXX., XXXX X XXXXXX XXXXXX, XXX X XXXX X, XXX X XXX X, XXX X XXX X. <br> 1/11/2023: Remains. Nothing received to clear above findings. Received additional copies of CD for closing of 2 new properties purchased at XXXXXXX XX and X XXX X. These items were in original loan file. The following items are still needed to detemine final DTI. The loan file is missing the following items for the rental properties listed on the application: X XXXX X - HOI, X XXX X - taxes. The loan does not contain proof the following 4 properties are free and clear: X XXXXX XXXXXX, X XXXX X, X XXX X, XXXX X. The loan file did not contain any leases for the following properties to offset the mortgage obligations. The loan does not DTI with full payments counted, DTI is 84%. XXXX X XXX X, no lease in file only front page of XXXXXXXXXXXX XXXXXXX, pg 744 that do not include any income information. No leases were provided for XXX-XXX XXXXXXX XXX., XXXX X XXXXX XXXXXX, XXX X XXXX X, XXX X XXX X, XXX X XXX X. <br> 1/23/2024: Cleared. Received additional income documents that confirm the income required to meet the DTI. | Unvalidated | Not all documentation to resolve was provided in the trailing docs, missing evidence of rental income for XXX X XXX X REO property | Compensating factors | DTI is within acceptable paramaters. Loan is performing. Reserves = 218402.21; LTV = 80; FICO = 804 | Clear |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626811 | Credit | Credit | Resolved | Resolved | TKMZAVADCFP-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl R) | The loan does not meet ATR as the final figures for all rental properties has not been established. The loan file is missing the following items for the rental properties listed on the application: X XXXXX HOI, X XXXX X taxes and HOI, X XXX X, taxes. The loan does not contain proof the following 4 properties are free and clear: X XXXXX XXXXXX, X XXXX X, X XXX X, XXXX X. The loan file did not contain any leases for the properties to offset the monthly obligations with the exception of the XXXXX property which reports on tax returns. |  |  | 12/19/2023: Remains. The following items are still needed to detemine final DTI. The loan file is missing the following items for the rental properties listed on the application: X XXXX X - HOI, X XXX X - taxes. The loan does not contain proof the following 4 properties are free and clear: X XXXXX XXXXXX, X XXXX X, X XXX X, XXXX X. The loan file did not contain any leases for the following properties to offset the mortgage obligations. The loan does not DTI with full payments counted, DTI is 84%. 1030 X XXX X, no lease in file only front page of XXXXXXXXXXXX XXXXXXXX, pg 744 that do not include any income information. No leases were provided for XXX-XXX XXXXXXXX XXX., XXXX X XXXXX XXXXXX, XXX X XXXX X, XXX X XXX X, XXX X XXX X. <br> 1/23/2024: Cleared. Received additional income documents that confirm the income required to meet the DTI. | 12/19/2023: Remains. The following items are still needed to detemine final DTI. The loan file is missing the following items for the rental properties listed on the application: X XXXX X - HOI, X XXX X - taxes. The loan does not contain proof the following 4 properties are free and clear: X XXXXX XXXXXX, X XXXX X, X XXX X, XXXX X. The loan file did not contain any leases for the following properties to offset the mortgage obligations. The loan does not DTI with full payments counted, DTI is 84%. 1030 X XXX X, no lease in file only front page of XXXXXXXXXXXX XXXXXXXX, pg 744 that do not include any income information. No leases were provided for XXX-XXX XXXXXXXX XXX., XXXX X XXXXX XXXXXX, XXX X XXXX X, XXX X XXX X, XXX X XXX X. <br> 1/23/2024: Cleared. Received additional income documents that confirm the income required to meet the DTI. | Unvalidated | Not all documentation to resolve was provided in the trailing docs, missing evidence of rental income for XXX X XXX X REO property | Compensating factors | DTI is within acceptable paramaters. Loan is performing. Reserves = 218402.21; LTV = 80; FICO = 803 | Clear |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626811 | Credit | Credit | Resolved | Resolved | TKMZAVADCFP-3Z43L3NZ | File insufficient to complete Credit Due Dil. | \* Loan file does not contain sufficient information to complete Credit Due Diligence (Lvl R) | The Loan does not meet guidelines due to missing information on newly purchased investment properties at X XXXXXXX and X XXX X . Copies of Notes and CD's for both of these new purchases are needed to determine final DTI. |  |  | 12/19/2023: Cleared. Received CD's and notes for both properties. | 12/19/2023: Cleared. Received CD's and notes for both properties. | Validated | X XXXXXXXX CD p8, Note p14. X XXX XX p18, Note p25 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626811 | Credit | Credit | Resolved | Resolved | TKMZAVADCFP-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl R) | The loan does not meet ATR for assets as the costs to close the 2 additional rental properties purchased at X XXXXXXX and X XXX X were not provided. Both loans closed prior to the subject on XX/XX/XXXX and XX/XX/XXX per Fraud Report pg. 1026. Sufficient funds to close these two properties and 2 months PITI for each property are required per guidelines. |  |  | 12/19/2023: Cleared. Received CDs from 2 recently purchased properties after asset statements were received. The balance of assets - the cash to close on these two properties was $XXX,XXX.XX. This covers closing costs on the subject + 2 months piti on all mortgaged property as required. | 12/19/2023: Cleared. Received CDs from 2 recently purchased properties after asset statements were received. The balance of assets - the cash to close on these two properties was $XXX,XXX.XX. This covers closing costs on the subject + 2 months piti on all mortgaged property as required. | Validated | X XXXXXXXX CD p8, Note p14. X XXX XX p18, Note p25 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626814 | Valuation | Doc Issue | Waived | Waived | WZXWTF1R1G0-GJPBPN9X | Appraisal dated after closing | \* Appraisal dated after closing (Lvl W) | The loan closed XX/XX/XXXX and the appraisal in file was dated after closing XX/XX/XXXX. The file is missing the appraisal completed prior to closing. |  |  | 1/17/2024: Remains. Explanation regarding the post close order of the appraisal received that it was due to an inaccurate reading of the initial AUS DU. | 1/17/2024: Remains. Explanation regarding the post close order of the appraisal received that it was due to an inaccurate reading of the initial AUS DU. | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626814 | Compliance | Compliance | Waived | Waived | WZXWTF1R1G0-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl W) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626815 | Credit | Credit | Resolved | Resolved | 0K5BJR1YIPP-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl R) | The loan file shows a $XXX,XXX.XX deposit into XXX (XXXX) on XX/XX/XXXX without a source of these funds. Per guidelines pg 52 Large deposits inconsistent with monthly income must be verified, one month statement was required and deposit was within the last month. With out the documentation of the assets the verified total is $XX,XXX.XX. |  |  | 1/12/2024: Remains - Funds are indicated to have come from a HELOC - what are the terms and conditions and monthly payment for the HELOC. Per review of the credit bureau, borrower only has one mortgage with XXXXX XXXXX and it is a conventional loan. Loan application does not reflect a HELOC in debts either. <br> 1/18/2024: Cleared. The HELOC for the withdrawal of $XXX,XXX.XX used in assets identified. Payments are in DTI for this account. | 1/12/2024: Remains - Funds are indicated to have come from a HELOC - what are the terms and conditions and monthly payment for the HELOC. Per review of the credit bureau, borrower only has one mortgage with XXXXX XXXXX and it is a conventional loan. Loan application does not reflect a HELOC in debts either. <br> 1/18/2024: Cleared. The HELOC for the withdrawal of $XXX,XXX used in assets identified. Payments are in DTI for this account. | Validated | HELOC information on page 21-24 (trailing folder) showing $XXXX Advance and payment |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626817 | Credit | Underwriting | Resolved | Resolved | IRJYXZIEC1X-PH3WIAVD | Income | \* Income documentation is incomplete (Lvl R) | The borrower has listed 1005 ownership of the corporation, precision General maintenance. The loan file did not contain the Schedule G for the corporate returns that verifies the borrowers 100% ownership. |  |  | 5/20/2024: Remains. A copy of the CPA letter verifying % of ownership was not found in the loan file and did not come over in the attachments for review. <br> 5/21/2024: Remains. Provided a CPA letter stating the borrowers business was a sole proprietorship from XXXX and in XXXX was re-classified to a corporation; however, does not state if the borrower is the sole owner of the corporation. Provide CPA letter verifying the ownership percentage of XXXXXXXXXX XXXXXXXX XXXXXXXXXXX XXX. or provide the 1120 Schedule G from the XXXX 1120 to verify the ownership percentage.<br> 6/10/2024: Cleared. Received letter from tax preparer XXXXXXXX XXXXXXXXX XX, VA that borrower has been self employed since XXXX and became incorporated in XXXX for tax purposes. confirmed XXXXXXXXX XXXXXXXXX XXX VA through Google Search. | 5/20/2024: Remains. A copy of the CPA letter verifying % of ownership was not found in the loan file and did not come over in the attachments for review. <br> 5/21/2024: Remains. Provided a CPA letter stating the borrowers business was a sole proprietorship from XXXX and in XXXX was re-classified to a corporation; however, does not state if the borrower is the sole owner of the corporation. Provide CPA letter verifying the ownership percentage of XXXXXXXXXX XXXXXXXX XXXXXXXXXXX XXX. or provide the 1120 Schedule G from the XXXX 1120 to verify the ownership percentage.<br> 6/10/2024: Cleared. Received letter from tax preparer XXXXXXXX XXXXXXXXX XX, VA that borrower has been self employed since XXXX and became incorporated in XXXX for tax purposes. confirmed XXXXXXXXX XXXXXXXXX XXX VA through Google Search. | Validated | CPA Letter provided in trailing docs, page 10 sufficient to validate this exception |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626818 | Credit | Doc Issue | Resolved | Resolved | WEP4OEPSBTU-OPN6CQBU | Application Missing | \* Application Missing (Lvl R) | The initial 1003 is missing from the loan file. The defect can be resolved by providing the missing document. |  |  | 3/6/2024: Cleared. Received loan application as requested. | 3/6/2024: Cleared. Received loan application as requested. | Validated | Initial 1003 was provided (p8 of Trailing docs). |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626818 | Compliance | Compliance | Active | 2: Acceptable with Warnings | WEP4OEPSBTU-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 2) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626818 | Compliance | Compliance | Active | 2: Acceptable with Warnings | WEP4OEPSBTU-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626818 | Compliance | Compliance | Active | 2: Acceptable with Warnings | WEP4OEPSBTU-95NA4ABR | TRID - SPL missing | \* TRID - SPL missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626818 | Compliance | Compliance | Resolved | Resolved | WEP4OEPSBTU-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Appraisal Management fee on the CD issued XX/XX/XXXX was not accepted because a valid reason was not provided. A cost to cure in the amount of $XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 3/8/2024 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | 3/8/2024 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626820 | Compliance | Compliance | Active | 2: Acceptable with Warnings | CGMYDOTAAXC-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 2) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626821 | Credit | Credit | Active | 2: Acceptable with Warnings | U2A1VHML1UG-NUWHQML7 | Credit history inadequate/does not meet g/l (ATR) | \* Credit history insufficient/does not meet guidelines (ATR) (Lvl 2) | Lender guidelines require at least two years must have elapsed since bankruptcy discharge. The borrower has a Chapter 13 discharge dated XX/XX/XXXX, which does not meet the two-year seasoning requirement from the Note date of XX/XX/XXXX. | 81.52% LTV is below the maximum 98% LTV by 16.48% <br> DTI is 23.4% below maximum DTI of 60%<br> 737 Representative credit score exceeds the minimum required credit score of 640 by 97 Points. <br> Borrower has been employed at current job for 15.67 years. <br> 0x30 mortgage history for 66 months. | An exception was made on the BK 2yr rules not meeting the XXX guidelines on this loan since the discharge dated (XX/XX/XXXX) is only a little over a month shy from two years of the Note date (XX/XX/XXXX). | 3/8/2024: Remains. While FHA allows 1 year the XXXX guidelines require 2 years. <br> 3/13/2024: Exception made comp factors applied EVB | 3/8/2024: Remains. While FHA allows 1 year the XXXX guidelines require 2 years. <br> 3/13/2024: Exception made comp factors applied EVB | Not Reviewed | Comments indicate exception was made. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626821 | Credit | Title Issue | Resolved | Resolved | U2A1VHML1UG-12W30VUO | Title holder is not an individual | \* Title holder is not an individual (Lvl R) | The prelim title (p.1177) dated XX/XX/XXXX shows the subject is owned by XXXXXXXX XXXXXXXXXXXXX XXXXXXXX XXXXXXXXX and the borrower. The preliminary title requires a Quit Claim Deed from XXXXXXXXX XXXXXXXXXXXXXXX XXXXXXXXXX XXXXXXX and XXXXXXXXX XXXX to XXXXXXXXX X XXXX; however, the loan file does not contain the deed transferring to the borrower only as required. |  |  | 3/8/2024: Cleared. Received copy of the deed signed day of closing moving title back to borrowers name from entity. | 3/8/2024: Cleared. Received copy of the deed signed day of closing moving title back to borrowers name from entity. | Validated | Quit claim deed is in the file |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626821 | Credit | Credit | Resolved | Resolved | U2A1VHML1UG-P293MAUY | Unable to verify all credit obligations (ATR) | \* Unable to verify all credit obligations (ATR) (Lvl R) | The Data Verify (p.709) reflects an open judgment with the creditor being XXXXX X XXXXX against the borrower as a garnishment filed XX/XX/XXXX in the amount of $XXX,XXX.XX. The loan file does not disclose the garnishment, does not contain documentation with the terms of the garnishment and does not include the garnishment in the DTI. | 81.52% LTV is below the maximum 98% LTV by 16.48% <br> DTI is 23.4% below maximum DTI of 60%<br> 737 Representative credit score exceeds the minimum required credit score of 640 by 97 Points. <br> Borrower has been employed at current job for 15.67 years. <br> 0x30 mortgage history for 66 months. |  | 3/8/2024: Cleared. Received copy of BK papers and this debt was discharged through the bankruptcy. Debt appears on page 2 of 3 of discharge papers. | 3/8/2024: Cleared. Received copy of BK papers and this debt was discharged through the bankruptcy. Debt appears on page 2 of 3 of discharge papers. | Validated | Debt appears on BK doc. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626822 | Credit | Credit | Resolved | Resolved | DIXLYZQQOGH-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | Per the PCCD (p.130), there were funds paid to purchase in the amount of $XXX,XXX.XX. The loan file is missing the payoff statement verifying that payment. The loan file contains an unsigned letter saying the buy out amount for my sister is $XXX,XXX.XX; however, that is not the amount that was paid, and it was not signed by the borrower, or the people being bought out confirming that was the agreed amount. |  |  | 3/15/2024: Remains. Provided the signed letter stating the buy out amount for the borrowers sister is $XXX,XXX and provided the final signed settlement statement showing the payoff to partners of $XXX,XXX.XX Still missing documentation signed by the buy out partners confirming the agreed buy out amount and clarification of why the provided letter from the borrower has a buy out amount of $XXX,XXX as the agreed amount, but then the buy out payment was only $XXX,XXX.XX.<br> 3/27/2024: Cleared. Backed out difference of $X,XXX.XX from verified assets and reserve requirement is still met. Title has transferred and buyout was accepted per title. | 3/15/2024: Remains. Provided the signed letter stating the buy out amount for the borrowers sister is $XXX,XXX and provided the final signed settlement statement showing the payoff to partners of $XXX,XXX.XX Still missing documentation signed by the buy out partners confirming the agreed buy out amount and clarification of why the provided letter from the borrower has a buy out amount of $XXX,XXX as the agreed amount, but then the buy out payment was only $XXX,XXX.XX.<br> 3/27/2024: Cleared. Backed out difference of $X,XXX.XX from verified assets and reserve requirement is still met. Title has transferred and buyout was accepted per title. | Validated | Final title accepting buyout and transfer of ownership page 86 trailing docs |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626822 | Credit | Eligibility | Resolved | Resolved | DIXLYZQQOGH-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | Guideline requirements have not been met. 1008/1003 reflects self-employed income of $X,XXX.XX for one business and a loss of $X,XXX.XX for another business for total qualifying income of $X,XXX.XX/month. Audit income is $X,XXX.XX/month total for the borrowers two self-employed businesses; however, at origination, the lender also used rental income to offset the subject property PITIA (p.219) and audit did not as the rental income for the subject is incorporated in the borrower's 1065 income for XXX XXXXXXXX XXX XXX XXX which the borrower owns 50%, which is the rent on the subject property and is incorporated in the borrowers income. This results in a DTI of 66.522% which exceeds the guideline maximum of 60%. | 70% LTV is below the maximum 90% LTV by 20%.<br> 739 Representative credit score exceeds the minimum required credit score of 620 by 119 Points. <br> $44,469.73 reserves exceed the minimum required of $9,004 by 7.88 months over the required minimum.<br> Borrower has been employed in same career 15 for years. |  | 3/15/2024: Remains. Lender re-calculated DTI by removing 1065 loss and calculating rental income from form 8825 of the 1065 and offsetting the subject PITIA. XXXX guidelines state partnership income must be calculated using the most recent business tax returns and does not specify if rental income is reported on the 1065 business returns; however, XXXX guidelines state they are intended to supplement Fannie Mae Guides and seller must refer to Fannie Mae guides for specific information not referenced in the guide. FNMA guideline section B3-3.1-08 states if the borrower is personally obligated on the mortgage debt (as evidenced by inclusion of the related mortgage(s) on the credit report) and gross rents and related expenses are reported through a partnership or S corporation, the business tax returns may be used to offset the property's PITIA. The borrower is not personally obligated on the mortgage debt as documented by the credit report showing no mortgage and the mortgage statement (p.364) showing she is not obligated on the mortgage debt. Based on this, the partnership rental income on the 8825 cannot be used to offset the property's PITIA. It is also to be noted, the loan was originated with LP findings and FHLMC guidelines section 5304.1 states all rental real estate income and expenses reported on IRS Form 8825 for partnerships and S corporations are to be treated as self-employment income, regardless of whether or not the Borrower is personally obligated on the Note and regardless of the Borrower's percentage of ownership interest in the partnership or S corporation. Audit DTI is 66.522% based on the total monthly debt of $X,XXX.XX and the audit income of $X,XXX.XX ($X,XXX.XX XXXXXXX XX XXXXXX & $-XXX.XX XXX XXXXXXXXX loss) exceeds maximum allowable DTI of 60%. | 3/15/2024: Remains. Lender re-calculated DTI by removing 1065 loss and calculating rental income from form 8825 of the 1065 and offsetting the subject PITIA. XXXX guidelines state partnership income must be calculated using the most recent business tax returns and does not specify if rental income is reported on the 1065 business returns; however, XXXX guidelines state they are intended to supplement Fannie Mae Guides and seller must refer to Fannie Mae guides for specific information not referenced in the guide. FNMA guideline section B3-3.1-08 states if the borrower is personally obligated on the mortgage debt (as evidenced by inclusion of the related mortgage(s) on the credit report) and gross rents and related expenses are reported through a partnership or S corporation, the business tax returns may be used to offset the property's PITIA. The borrower is not personally obligated on the mortgage debt as documented by the credit report showing no mortgage and the mortgage statement (p.364) showing she is not obligated on the mortgage debt. Based on this, the partnership rental income on the 8825 cannot be used to offset the property's PITIA. It is also to be noted, the loan was originated with LP findings and FHLMC guidelines section 5304.1 states all rental real estate income and expenses reported on IRS Form 8825 for partnerships and S corporations are to be treated as self-employment income, regardless of whether or not the Borrower is personally obligated on the Note and regardless of the Borrower's percentage of ownership interest in the partnership or S corporation. Audit DTI is 66.522% based on the total monthly debt of $X,XXX.XX and the audit income of $X,XXX.XX ($X,XXX.XX XXXXXXX XX XXXXXX & $-XXX.XX XXX XXXXXXXXX loss) exceeds maximum allowable DTI of 60%. | Unvalidated | No documentation was provided to address the DTI issue which does not meet the eligibility requirements | Compensating factors | DTI is within acceptable paramaters. Loan is performing. Reserves = 44469.73; LTV = 70; FICO = 739 | Clear |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626822 | Credit | Credit | Resolved | Resolved | DIXLYZQQOGH-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl R) | Guideline requirements have not been met. 1008/1003 reflects self-employed income of $X,XXX.XX for one business and a loss of $X,XXX.XX for another business for total qualifying income of $X,XXX.XX/month. Audit income is $X,XXX.XX/month total for the borrowers two self-employed businesses; however, at origination, the lender also used rental income to offset the subject property PITIA (p.219) and audit did not as the rental income for the subject is incorporated in the borrower's 1065 income for XXX XXXXXXXX XXX XXX XXX which the borrower owns 50%, which is the rent on the subject property and is incorporated in the borrowers income. This results in a DTI of 66.522% which exceeds the guideline maximum of 60%. | 70% LTV is below the maximum 90% LTV by 20%.<br> 739 Representative credit score exceeds the minimum required credit score of 620 by 119 Points. <br> $44,469.73 reserves exceed the minimum required of $9,004 by 7.88 months over the required minimum.<br> Borrower has been employed in same career 15 for years. |  | 3/15/2024: Remains. Lender re-calculated DTI by removing 1065 loss and calculating rental income from form 8825 of the 1065 and offsetting the subject PITIA. XXXX guidelines state partnership income must be calculated using the most recent business tax returns and does not specify if rental income is reported on the 1065 business returns; however, XXXX guidelines state they are intended to supplement Fannie Mae Guides and seller must refer to Fannie Mae guides for specific information not referenced in the guide. FNMA guideline section B3-3.1-08 states if the borrower is personally obligated on the mortgage debt (as evidenced by inclusion of the related mortgage(s) on the credit report) and gross rents and related expenses are reported through a partnership or S corporation, the business tax returns may be used to offset the property's PITIA. The borrower is not personally obligated on the mortgage debt as documented by the credit report showing no mortgage and the mortgage statement (p.364) showing she is not obligated on the mortgage debt. Based on this, the partnership rental income on the 8825 cannot be used to offset the property's PITIA. It is also to be noted, the loan was originated with LP findings and FHLMC guidelines section 5304.1 states all rental real estate income and expenses reported on IRS Form 8825 for partnerships and S corporations are to be treated as self-employment income, regardless of whether or not the Borrower is personally obligated on the Note and regardless of the Borrower's percentage of ownership interest in the partnership or S corporation. Audit DTI is 66.522% based on the total monthly debt of $X,XXX.XX and the audit income of $X,XXX.XX ($X,XXX.XX XXXXXXX XX XXXXXX & $-XXX.XX XXX XXXXXXXXX loss) exceeds maximum allowable DTI of 60%.<br> 3/27/2024: Cleared. Audit re-adressed income calculations. Audit utilized Schedule C of $X,XXX.XX and 1065 loss of $XXX.XX for total income of $X,XXX.XX. Audit included 50% of rental income from the Form 8825 to offset subject PITI as borrower only owns 50% of 1065 business with no documentation verifying a change in ownership, resulting in a DTI of 49.9%, which is within guidelines. | 3/15/2024: Remains. Lender re-calculated DTI by removing 1065 loss and calculating rental income from form 8825 of the 1065 and offsetting the subject PITIA. XXXX guidelines state partnership income must be calculated using the most recent business tax returns and does not specify if rental income is reported on the 1065 business returns; however, XXXX guidelines state they are intended to supplement Fannie Mae Guides and seller must refer to Fannie Mae guides for specific information not referenced in the guide. FNMA guideline section B3-3.1-08 states if the borrower is personally obligated on the mortgage debt (as evidenced by inclusion of the related mortgage(s) on the credit report) and gross rents and related expenses are reported through a partnership or S corporation, the business tax returns may be used to offset the property's PITIA. The borrower is not personally obligated on the mortgage debt as documented by the credit report showing no mortgage and the mortgage statement (p.364) showing she is not obligated on the mortgage debt. Based on this, the partnership rental income on the 8825 cannot be used to offset the property's PITIA. It is also to be noted, the loan was originated with LP findings and FHLMC guidelines section 5304.1 states all rental real estate income and expenses reported on IRS Form 8825 for partnerships and S corporations are to be treated as self-employment income, regardless of whether or not the Borrower is personally obligated on the Note and regardless of the Borrower's percentage of ownership interest in the partnership or S corporation. Audit DTI is 66.522% based on the total monthly debt of $X,XXX.XX and the audit income of $X,XXX.XX ($X,XXX.XX XXXXXXX XX XXXXXX & $-XXX.XX XXX XXXXXXXXX loss) exceeds maximum allowable DTI of 60%.<br> 3/27/2024: Cleared. Audit re-adressed income calculations. Audit utilized Schedule C of $X,XXX.XX and 1065 loss of $XXX.XX for total income of $X,XXX.XX. Audit included 50% of rental income from the Form 8825 to offset subject PITI as borrower only owns 50% of 1065 business with no documentation verifying a change in ownership, resulting in a DTI of 49.9%, which is within guidelines. | Validated | Lender resolved finding after reaccessing income. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626822 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | DIXLYZQQOGH-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The property is located in a special flood hazard area and the Flood Hazard Notice is missing. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626822 | Valuation | Value | Resolved | Resolved | DIXLYZQQOGH-M0XGEFL4 | Quality of Appraisal Report Unacceptable | \* Quality of Appraisal Report Unacceptable (Lvl R) | The appraisal shows the subject is owner occupied; however, per the loan type, the subject is an investment property and the 1065 business returns reflect rental income. |  |  | 3/15/2024: Resolved. Provided clarification. | 3/15/2024: Resolved. Provided clarification. | Validated | Clarification p57 of trailing docs |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626822 | Credit | Title Issue | Resolved | Resolved | DIXLYZQQOGH-3MGROFI3 | Title issue | \* Title issue (Lvl R) | The preliminary title dated XX/XX/XXXX (p.327) reflects the property is in the name of XXXXXXX XXXXXXXX and XXXXXXX XXXXXXXXXX, husband and wife and XXXXXXX XXXXXXXX as separate estates and the DOT from XX/XX/XXXX shows the same as the preliminary title (p.343); however, there is a Deed dated XX/XX/XXXX, four days after the Note date, showing the Grantors as XXXXXXX XXXXXXXX and XXXXXX XXXXXXXXXX the borrower as the Grantee. There is no clarification for the discrepancy. Why the borrower shows as an owner since XXXX on the title and prior DOT, but there is a Deed dated after the Note showing the transfer of title that does not show her as the owner. |  |  | 3/15/2024: Resolved. Provided clarification. | 3/15/2024: Resolved. Provided clarification. | Validated | Clarification provided in trailing docs |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626822 | Credit | Credit Documents | Resolved | Resolved | DIXLYZQQOGH-N0AFQ8X3 | Valid ID - Missing | \* Valid ID - Missing (Lvl R) | Lender guidelines (p.24) required the confirmation of the borrower's identity. The loan file is missing a copy of the borrower's valid ID or a completed Patriot Act form or CIP form. |  |  | 3/15/2024: Resolved. Provided requested document. | 3/15/2024: Resolved. Provided requested document. | validated | No ID or Patriot Act form found in the file | Drivers license provided | N/A | See uploaded/attached docs | Validated<br> Borrower's driver's license provided. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626823 | Credit | Credit | Active | 2: Acceptable with Warnings | PYYFUYPIQP3-0BLBZVJN | Credit | \* Missing Documentation (Lvl 2) | The amendment to the contract (p.316) states there is a seller credit of $X,XXX.XX added and the original contract has a sales price of $XXX,XXX.XX (p.319); however, per the final CD (p.179), there is a sales price of $XXX,XXX.XX and no seller credit. The loan file is missing a fully executed amendment to support the sales price of $XXX,XXX.XX and no seller credit per the final Closing Disclosure. |  |  |  |  | Not Reviewed | Final sales price of $XXX,XXX with no concessions same as $XXX,XXX with $X,XXX.XX0 concessions, SPCC of 2% is within agency guidelines |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626823 | Compliance | Compliance | Active | 2: Acceptable with Warnings | PYYFUYPIQP3-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 2) | The figures on the "Escrow Account" table (p4) of the CD issued XX/XX/XXXX do not match the IEAD provided at consummation. The "Monthly Escrow Payment" ($XXX.XX) on the "Escrow Account" appears to be correct ; however, this amount does not match the "Payments to Escrow Account" ($XXX.XX) column on the IEAD. In addition, the "Initial Escrow Payment) $XXX.XX) on the "Escrow Account" table of the CD does not match the "Escrow Account Balance" ($XXX.XX) of the IEAD. The defect can be resolved by providing accurate figures. Consummation occurred XX/XX/XXXX and the transaction is a purchase of a primary residence. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626825 | Credit | Credit | Waived | Waived | CSJLN0DHNRO-08D7I9DC | Asset Verification insufficient | \* Asset Verification insufficient (Lvl W) | The XXXX XX XXXXXXX statement for account #XXXX (p.352) appears to be incomplete; however, all six pages are included. The Account Summary shows ATM and debit card subtractions of $XXX.XX and other subtractions of $XX,XXX.XX; however, page 4 of 6 confirms ATM and debit card subtractions of $XXX.XX but the total of other subtractions on pages 4-5 of 6 reflects total other subtractions of $X,XXX.XX. There is a discrepancy of $X,XXX.XX between the summary on page 1 and the actual listed subtractions that is not addressed. |  |  |  |  | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626825 | Credit | Credit | Resolved | Resolved | CSJLN0DHNRO-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | Driver's license (p.309) does not have a first name listed and the SS Card (p.310) has the full name as XXX XXXXXXX, the Certificate of Naturalization (p.312) has the borrowers name as XXXXXXX XXXXXX, paystubs and W2's have name as XXXX XXX (p.344-347) and bank statements have XXXXXXX XXXXXXX (p.352). The loan file does not have clarification for the discrepancies in the borrower's name. |  |  | 4/18/2024: Remains. Provided signed AKA and explanation for the XXX; however, neither addressed the Certificate of Naturalization (p.312) that has the borrowers name as XXXXXXX XXXXXXX.<br> 4/25/2024: Resolved. Provided required document. | 4/18/2024: Remains. Provided signed AKA and explanation for the XXX; however, neither addressed the Certificate of Naturalization (p.312) that has the borrowers name as XXXXXXX XXXXXXX.<br> 4/25/2024: Resolved. Provided required document. | Validated | Updated Name Affidavit provided page 50 trailing docs |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626825 | Credit | Property | Waived | Waived | CSJLN0DHNRO-ENY5D08E | FEMA Declaration - (Individual) | \* FEMA Declaration - Natural Disaster Area (Individual). Missing Subsequent Property Inspection (Lvl W) | The subject is within a XXXX declared disaster area for a Severe Storms and Flooding (DR-4749-IL) with an incident period of XX/XX/XXXX-XX/XX/XXXX. A post disaster inspection to verify there is no damage to the subject property was not provided at time of audit. |  |  |  |  | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626825 | Credit | Credit | Resolved | Resolved | CSJLN0DHNRO-BGXHGJCO | Unable to verify PITI on other mortgage debt (ATR) | \* Unable to verify PITI on other mortgage related obligations (ATR) (Lvl R) | The fraud report (p.578) shows the borrower has an inactive mortgage on the departure residence from XXXX and that he currently owns the property (p.580) that was purchased XX/XX/XXXX; however, the loan application (p.161) states he rents the property and shows no REO's listed (p.163). The $XX,XXX.XX mortgage used to purchase the property is shown on the credit report as paid in full (p.323). The loan file is missing evidence the property is owned free and clear and evidence of the taxes, insurance and HOA for the property to include in the DTI or evidence it is no longer owned. |  |  | 4/18/2024: Resolved. Provided required documentation. | 4/18/2024: Resolved. Provided required documentation. | Validated | The trailing documents provide a property detail report for XXXX XXXXXXXXX XXX which verifies property is owned free and clear and provides property taxes p31, 37. Property is a condominium, missing HOA dues. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626826 | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | KYF2JEFF0SV-OR5FH5OU | Appraisal incomplete (missing map, layout, pages, | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | Appraisal address lists only unit #XXX, whereas the Note and Mortgage documents have units #XXX-XXX. The property address on the appraisal should match the legal documents. |  |  |  |  | Not Reviewed | Subject is 3 units. The comparable summary and subject photos do cover all 3 units. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626827 | Credit | Assets Insufficient | Active | 2: Acceptable with Warnings | QVCXADR4RVB-ANWMID6Q | Cash reserves less than required by guidelines | \* Cash reserves less than required by guidelines (Lvl 2) | The EMD and funds to close were all paid by documented gifts. The borrower does not have any additional verified assets. Lender guidelines require two-months PITIA reserves which is equivalent to $XX,XXX.XX. The borrower has not met the reserve requirement. | 80% LTV is below the maximum 90% LTV by 10%. <br> DTI is 16.97% below maximum DTI of 60%. <br> Borrower has $XX,XXX.XX residual income after all expenses. |  | 4/4/2024: XXXX has acknowledge the missing requirement for reserves and accepted. Final grade is EVB | 4/4/2024: XXXX has acknowledge the missing requirement for reserves and accepted. Final grade is EVB | Not Reviewed | Comments consistent with documentation |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626828 | Credit | Credit | Waived | Waived | SEC0X4OWKQR-0BLBZVJN | Credit | \* Missing Documentation (Lvl W) | The loan application has two CO Child Support obligations for the co-borrower totaling $XXX/month ($XX + $XXX). The credit report for the co-borrower has an account with CO Division of XXXXX XXXXXXX with a balance of $XX,XXX.XX and a payment of $XX last reported XX/XX/XXXX (p.131). The file also contains a XXXXX XXXXXXX Obligation Worksheet dated XX/XX/XXXX for three children, one of which is the borrower, and all three children are XX and XX years of age. The loan file does not contain documentation to verify the additional obligation of $XXX/month reflected on the loan application. This is the figure on the Worksheet listed as Low Income adjustment amount from XXXX for three adult children. Documentation to verify the two XXXXX XXXXXXX obligations (XXXXX XXXXXXX orders) is required. Additionally, it is to be noted, if the child support is arrears, lender guidelines required all arrearages to be brought current prior to loan closing. | 763 Representative credit score exceeds the minimum required credit score of 620 by 143 Points. <br> 66.61% LTV is below the maximum 90% LTV by 23.39%. <br>|  | 4/11/2024: Remains. Provided the same credit report cited in the finding showing the CO Division of XXXXX XXXXXXX with a balance of $XX,XXX and payment of $XX. No documentation was provided to address the additional monthly XXXXX XXXXXXXX obligation of $XXX/month on the loan application. The only documentation in the file other than the credit report is a XXXXX XXXXXXXX Worksheet from XXXX for three children that are XX and XX years old. Documentation to verify the two XXXXX XXXXXXX obligations of $XX/month and $XXX/month (XXXXX XXXXXXX orders) is required. Additionally, it is to be noted, if the documentation provided proves the child support is arrears, lender guidelines required all arrearages to be brought current prior to loan closing.<br> 4/15/2024: Accepted as proof of only one child support payment of $XX/month; however, still need proof the obligation is not arrears. The XXXXX XXXXXXX Obligation Worksheet dated XX/XX/XXXX for three children, one of which is the borrower, and all three children are XX and XX years of age. It appears to be arrears as the children are well over the child support obligation age and per lender guidelines required all arrearages to be brought current prior to loan closing.<br> 5/7/2024: XXXX Waived. | 4/11/2024: Remains. Provided the same credit report cited in the finding showing the CO Division of XXXXX XXXXXXX with a balance of $XX,XXX and payment of $XX. No documentation was provided to address the additional monthly XXXXX XXXXXXXX obligation of $XXX/month on the loan application. The only documentation in the file other than the credit report is a XXXXX XXXXXXXX Worksheet from XXXX for three children that are XX and XX years old. Documentation to verify the two XXXXX XXXXXXX obligations of $XX/month and $XXX/month (XXXXX XXXXXXX orders) is required. Additionally, it is to be noted, if the documentation provided proves the child support is arrears, lender guidelines required all arrearages to be brought current prior to loan closing.<br> 4/15/2024: Accepted as proof of only one child support payment of $XX/month; however, still need proof the obligation is not arrears. The XXXXX XXXXXXX Obligation Worksheet dated XX/XX/XXXX for three children, one of which is the borrower, and all three children are XX and XX years of age. It appears to be arrears as the children are well over the child support obligation age and per lender guidelines required all arrearages to be brought current prior to loan closing.<br> 5/7/2024: XXXX Waived. | Not Reviewed | Waived by XXXX |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626828 | Credit | Credit | Resolved | Resolved | SEC0X4OWKQR-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | The loan file contains a TWN dated XX/XX/XXXX showing XX/XX/XXXX saying hourly income is $XX/hour with a 40 hour work week; however, the one paystub in the file for the co-borrowers employment (p.328) shows the borrowers hourly rate of $XX/hour. The loan file does not contain clarification for the fact that the borrower has been employed for only 8 months and there are three different documents in the file (TWN, written VOE and paystub) that all have different hourly rates for the borrower and the file contains no clarification for the differences. |  |  | 4/11/2024: Remains. Provided TWN from XXXXXXX XXXXXXXXXX cited as well as prior job TWN and W2's. Did not address the issue of the discrepancy between documents for the borrowers current job. Provide clarification between the TWN for XXXXXXX XXXXXXXXXX dated XX/XX/XXXX showing the borrowers earnings are $XX/hour working 42 hours per week with a hire date of XX/XX/XXXX (p.376) and a Written VOE from XXXXXXX XXXXXXXXXX dated XX/XX/XXXX saying hourly income is $XX/hour with a 40 hour work week (p.375); however, the one paystub in the file from XXXXXXX XXXXXXXXXXX dated XX/XX/XXXX (p.328) shows the borrowers hourly rate of $XX/hour. The loan file does not contain clarification for the fact that the borrower has been employed for only 8 months and there are three different documents in the file (TWN, written VOE and paystub) that all have different hourly rates for the borrower.<br> 4/15/2024: Remains. Provided XXXX W2 for XXXXX XXXXXX for B1 (which has nothing to do with the finding for B2) and stated the borrower was qualified at $XX/hour and the $XX/hour was for working at night. There remains a discrepancy between documents that has not been verified. The TWN from XXXXXXX XXXXXXXXXXX dated XX/XX/XXXX states the borrowers pay rate is $XX/hour, then the handwritten VOE from XXXXXXXX XXXXXXXXXX dated XX/XX/XXXX states he received a pay raise XX/XX/XXXX of $X/hour which would be $XX/hour yet also says his current gross base pay is $XX/hour yet the one and only paystub from the same employer shows $XX/hour. There is no clarification from the employer for the discrepancies in the income amount.<br> 5/1/2024: Resolved. Provided clarification from the employer | 4/11/2024: Remains. Provided TWN from XXXXXXX XXXXXXXXXX cited as well as prior job TWN and W2's. Did not address the issue of the discrepancy between documents for the borrowers current job. Provide clarification between the TWN for XXXXXXX XXXXXXXXXX dated XX/XX/XXXX showing the borrowers earnings are $XX/hour working 42 hours per week with a hire date of XX/XX/XXXX (p.376) and a Written VOE from XXXXXXX XXXXXXXXXX dated XX/XX/XXXX saying hourly income is $XX/hour with a 40 hour work week (p.375); however, the one paystub in the file from XXXXXXX XXXXXXXXXXX dated XX/XX/XXXX (p.328) shows the borrowers hourly rate of $XX/hour. The loan file does not contain clarification for the fact that the borrower has been employed for only 8 months and there are three different documents in the file (TWN, written VOE and paystub) that all have different hourly rates for the borrower.<br> 4/15/2024: Remains. Provided XXXX W2 for XXXXX XXXXXX for B1 (which has nothing to do with the finding for B2) and stated the borrower was qualified at $XX/hour and the $XX/hour was for working at night. There remains a discrepancy between documents that has not been verified. The TWN from XXXXXXX XXXXXXXXXXX dated XX/XX/XXXX states the borrowers pay rate is $XX/hour, then the handwritten VOE from XXXXXXXX XXXXXXXXXX dated XX/XX/XXXX states he received a pay raise XX/XX/XXXX of $X/hour which would be $XX/hour yet also says his current gross base pay is $XX/hour yet the one and only paystub from the same employer shows $XX/hour. There is no clarification from the employer for the discrepancies in the income amount.<br> 5/1/2024: Resolved. Provided clarification from the employer | Validated | LOX from employer on page 88, WVOE page 91 Stub page 90 (Trailing doc folder) |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626828 | Credit | Income | Resolved | Resolved | SEC0X4OWKQR-7ZU2HIM5 | Missing sufficient employment documentation (ATR) | \* Missing sufficient employment documentation (ATR) (Lvl R) | The loan file contains a TWN from XXXXXXXXXX XXXXXXXXXXX XXXXXXXX dated XX/XX/XXXX for the co-borrower stating the original hire date of XX/XX/XXXX and most recent start date of XX/XX/XXXX (p.378) and showing he is still an active employee. Then the file contains two VVOE's from this same employer; however, they are for the borrower instead of the co-borrower and one dated XX/XX/XXXX shows he is no longer active and the start date of XX/XX/XXXX thru XX/XX/XXXX (p.417) while the second dated 1XX/XX/XXXX also has the wrong borrowers name and says the employment dates are XX/XX/XXXX-XX/XX/XXXX (p.419). The file contains a XXXX W2 for the co-borrower (p.397) showing earnings of $XX,XXX.XX which verifies it is the co-borrower and not the borrower that was employed by XXXXXXXXXXX and that he was employed for a period in XXXX; however, without clarification of the correct dates of employment, the file does not contain a clear employment history for the co-borrower. |  |  | 4/11/2024: Remains. Provided the TWN's for the co-borrower that were originally provided and cited in the finding. Nothing was provided to address the VVOE's in the file from XXXXXXXXXXX with the wrong borrowers name and different dates of employment. The file contains two VVOE's from XXXXXXXXXXX; however, they have the borrower as the employer instead of the co-borrower. One is dated XX/XX/XXXX shows he is no longer active and the start date of XX/XX/XXXX thru XX/XX/XXXX (p.417) while the second is dated XX/XX/XXXX also has the wrong borrowers name and says the employment dates are XX/XX/XXXX-XX/XX/XXXX (p.419). Provide clarification for the multiple documents with information that is different for the same employer and verification of the correct start and end dates with XXXXXXXXXXX for the co-borrower. Without clarification of the correct dates of employment, the file does not contain a clear employment history for the co-borrower.<br> 4/15/2024: Resolved. XXXX and XXXX W2 from XXXXXXXXXXX confirms employment history. | 4/11/2024: Remains. Provided the TWN's for the co-borrower that were originally provided and cited in the finding. Nothing was provided to address the VVOE's in the file from XXXXXXXXXXX with the wrong borrowers name and different dates of employment. The file contains two VVOE's from XXXXXXXXXXX; however, they have the borrower as the employer instead of the co-borrower. One is dated XX/XX/XXXX shows he is no longer active and the start date of XX/XX/XXXX thru XX/XX/XXXX (p.417) while the second is dated XX/XX/XXXX also has the wrong borrowers name and says the employment dates are XX/XX/XXXX-XX/XX/XXXX (p.419). Provide clarification for the multiple documents with information that is different for the same employer and verification of the correct start and end dates with XXXXXXXXXXX for the co-borrower. Without clarification of the correct dates of employment, the file does not contain a clear employment history for the co-borrower.<br> 4/15/2024: Resolved. XXXX and XXXX W2 from XXXXXXXXXXX confirms employment history. | Validated | XXXX W2, XXXX W2 and WVOE provided for B2 (pages 50,51 and 52,54 Trailing folder) |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626829 | Compliance | Compliance | Resolved | Resolved | ECPTYX0MEZY-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | The loan failed the Revised Loan Estimate delivery date tests (after issuance of Closing Disclosure). The Revised Loan Estimates issued on XX/XX/XXXX and XX/XX/XXXX were issued after providing the Closing Disclosure issued on XX/XX/XXXX. |  |  | 5/3/2024 Resolved. The LOE, PCCD, refund check and mailing label resolved the tolerance violation. | 5/3/2024 Resolved. The LOE, PCCD, refund check and mailing label resolved the tolerance violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626829 | Compliance | Compliance | Active | 2: Acceptable with Warnings | ECPTYX0MEZY-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626829 | Compliance | Compliance | Resolved | Resolved | ECPTYX0MEZY-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | The loan failed the charges that cannot increase test. Although the addition to the following fees was valid, because the revised LE issued on XX/XX/XXXX was provided to the consumer after the CD issued on XX/XX/XXXX, baseline did not reset: Discount Points $X,XXX.XX. A cost to cure in the amount of $X,XXX.XX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  | Misc Docs | 5/3/2024 Resolved. The LOE, PCCD, refund check and mailing label resolved the tolerance violation. | 5/3/2024 Resolved. The LOE, PCCD, refund check and mailing label resolved the tolerance violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626830 | Credit | Assets Insufficient | Resolved | Resolved | 23IEOGZXABQ-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl R) | The loan file does not contain a copy of the CD for the sale of the departure residence net $XXX,XXX.XX as indicated on the loan application. Total fund to close is $XXX,XXX.XX plus 2 months reserves for a total of $XXX,XXX.XX. The borrower is short $XXX,XXX.XX. |  |  |  |  | Validated | Signed Seller's Closing Disclosure for proof of sale of borrower's departure residence netting $XXX,XXX.XX was provided on p7 of trailing docs. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626830 | Credit | Credit | Resolved | Resolved | 23IEOGZXABQ-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl R) | The loan does not meet the ATR due to insufficient funds. The loan file does not contain a copy of the CD for the sale of the departure residence net $XXX,XXX.XX as indicated on the loan application. |  |  | 4/30/2024: Resolved. Provided CD for sale with sufficient funds. | 4/30/2024: Resolved. Provided CD for sale with sufficient funds. | Validated | Signed Seller's Closing Disclosure for proof of sale of borrower's departure residence netting $XXX,XXX.XX was provided on p7 of trailing docs. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626832 | Credit | Credit | Resolved | Resolved | MVV32KPAYXG-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file is missing the Permanent Resident Alien card for the borrower. |  |  | 5/1/2024: Resolved. | 5/1/2024: Resolved. | validated | The 1003 in the file discloses the borrower as a permanent resident alien. The required Passport and Visa are missing to complete the required documentation for an non-permanent resident alien per the lender XX | Permanent Resident Alien card provided | N/A | See uploaded/attached docs | Validated<br> Updated 1003 provide to correct borrower's to a non permanent resident alien and a copy of the employment authorization. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626832 | Credit | Income | Resolved | Resolved | MVV32KPAYXG-7ZU2HIM5 | Missing sufficient employment documentation (ATR) | \* Missing sufficient employment documentation (ATR) (Lvl R) | Texas Secretary of State for the co-borrowers business dated XX/XX/XXXX (p.399) reflects the business was involuntary ended; however, the CPA letter dated XX/XX/XXXX (p.400) states it is still active. Based on the Texas Secretary of State, the business is not active. The file does not have clarification for the discrepancy of the business status. | 90% LTV is below the maximum 98% LTV by 8%. <br> DTI is 48.454% below maximum DTI of 60% <br> 797 Representative credit score exceeds the minimum required credit score of 640 by 157 Points. <br> $35,828.03 reserves exceed the minimum required of $15,381.10 exceeds the minimum by $20,446.93 over the required minimum.<br> Borrower has $5,111.40 residual income after all expenses |  | 5/17/2024: Remains. the filing of tax returns does not confirm that the business was Active at the time of the closing. The Office of the Comptroller in Texas shows that the business was Involuntarily Ended and requests tax clearance to reinstate entity. Validation through the state the business is legally operating is required. <br> 6/11/2024 Cleared. The business main office is based in OH, the borrower is a 1099 employee and the 1099 is from Ohio. | 5/17/2024: Remains. the filing of tax returns does not confirm that the business was Active at the time of the closing. The Office of the Comptroller in Texas shows that the business was Involuntarily Ended and requests tax clearance to reinstate entity. Validation through the state the business is legally operating is required. <br> 6/11/2024 Cleared. The business main office is based in OH, the borrower is a 1099 employee and the 1099 is from Ohio. | Validated | Comments to clear indicate the co-borrower is paid 1099 which is confirmed by the 1040 Schedule C (p509). |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626832 | Credit | Credit | Waived | Waived | MVV32KPAYXG-IAW403JB | Occupancy- Potential Occupancy Misrepresentation | \* Occupancy- Potential Occupancy Misrepresentation (Lvl W) | Occupancy is questionable. The subject property was purchased as a primary residence. Both the borrower and co-borrower currently own their own separate primary residences. Per the loan application, they will be both renting out their individual primary residences and moving with their spouses to the subject property together as a primary residence and renting their departure residences along with their three other rental properties. The loan file does not contain clarification of the intent with an explanation of the motive to move to the subject for both parties. | 90% LTV is below the maximum 98% LTV by 8%. <br> DTI is 48.454% below maximum DTI of 60% <br> 797 Representative credit score exceeds the minimum required credit score of 640 by 157 Points. <br> $35,828.03 reserves exceed the minimum required of $15,381.10 exceeds the minimum by $20,446.93 over the required minimum.<br> Borrower has $5,111.40 residual income after all expenses |  | 5/15/2024: Remains. The photo report does not confirm occupancy by both borrowers to meet the occupancy status of primary residence. (One car in drive way photo, room photographs does not show 2 households and appears to be a bachelor type setting) | 5/15/2024: Remains. The photo report does not confirm occupancy by both borrowers to meet the occupancy status of primary residence. (One car in drive way photo, room photographs does not show 2 households and appears to be a bachelor type setting) | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626832 | Credit | Title Issue | Resolved | Resolved | MVV32KPAYXG-3MGROFI3 | Title issue | \* Title issue (Lvl R) | The preliminary title reflects a federal tax lien in the amount of $XXX,XXX.XX secured to the subject. The loan file does not contain evidence this was released. |  |  | 5/2/2024: Resolved. Provided email from escrow officer it was removed. | 5/2/2024: Resolved. Provided email from escrow officer it was removed. | Validated | Email in file along with Final Title Policy |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626833 | Credit | Credit | Active | 2: Acceptable with Warnings | NR2BERRFI14-0BLBZVJN | Credit | \* Missing Documentation (Lvl 2) | The occupancy type is not clear. Per the declarations for the borrower (p.430), he does not intend to occupy; however, the declarations for the co-borrower (p.436) says she intends to occupy the subject property. The 1008 (p.470) says investment property while 1003 section 4 says primary residence (p.430) and the occupancy affidavit (p.473) says investment property while the occupancy affidavit (p.475) says primary residence. There are Non-Homestead affidavits signed in the file (p.893-894) and per the email (p.877), the property is being bought for their disabled son, so it is not a primary residence. The loan application and 1008 should match with the occupancy type of Investment property. |  |  |  |  | Not Reviewed | Lender accepted inconsistent documentation |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626836 | Credit | Doc Issue | Resolved | Resolved | ZH3XB04LO0C-OPN6CQBU | Application Missing | \* Application Missing (Lvl R) | The initial 1003 is missing. Unable to determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Homeownership Counseling Disclosure. The defect can be resolved by providing the missing document. |  |  | 5/8/2024 Resolved. The documentation provided is sufficient to cure the violation. | 5/8/2024 Resolved. The documentation provided is sufficient to cure the violation. | Validated | Initial 1003 was provided p41 of Trailing. <br>|  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626836 | Credit | Income | Resolved | Resolved | ZH3XB04LO0C-7ZU2HIM5 | Missing sufficient employment documentation (ATR) | \* Missing sufficient employment documentation (ATR) (Lvl R) | The VVOE for the borrower (p.690) states his employment started XX/XX/XXXX; however, the VOE (p.502) states his start date is XX/XX/XXXX, which is less than two years (Note date is XX/XX/XXXX). The loan file does not contain clarification for the correct date of employment to verify a two year employment history. | 744 Representative credit score exceeds the minimum required credit score of 640 by 104 Points. <br> 80% LTV is below the maximum 98% LTV by 18%. <br>|  | 5/10/2024: Cleared. The BRW is 7 months short of a 2 year history at the current employer. Noted are 2 comp factors of LTV and credit score. | 5/10/2024: Cleared. The BRW is 7 months short of a 2 year history at the current employer. Noted are 2 comp factors of LTV and credit score. | Validated | Comments indicate the condition is "cleared" but it appears to be waived with compensating factors. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626836 | Compliance | Disclosures | Resolved | Resolved | ZH3XB04LO0C-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  | 5/8/2024 Resolved. The documentation provided is sufficient to cure the violation. | 5/8/2024 Resolved. The documentation provided is sufficient to cure the violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626836 | Compliance | Compliance | Active | 2: Acceptable with Warnings | ZH3XB04LO0C-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 2) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). Because the SPL was missing/late, fees in Section C were subject to 10% tolerance. The changes resulted in threshold to go above allowable tolerance. A cost to cure in the amount of $XXX.XX is required. The defect may be resolved by providing the missing document, reimbursing the consumer, or providing a valid reason for the increases. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). Consummation occurred XX/XX/XXXX and the transaction is a purchase of a primary residence. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626836 | Compliance | Compliance | Active | 2: Acceptable with Warnings | ZH3XB04LO0C-95NA4ABR | TRID - SPL missing | \* TRID - SPL missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626836 | Credit | Credit Documents | Resolved | Resolved | ZH3XB04LO0C-N0AFQ8X3 | Valid ID - Missing | \* Valid ID - Missing (Lvl R) | The loan file is missing valid ID or completed Patriot Act form for both borrowers. |  |  | 5/8/2024: Cleared. | 5/8/2024: Cleared. | Validated | No ID or Patriot Act form found in the file | Patriot Act forms provided | N/A | See uploaded/attached docs | Validated<br> Patriot Act form provided for both borrowers. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626837 | Credit | Credit | Resolved | Resolved | 3RGINGKFEGF-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The credit report (p.245) has an alert for the social security number. The loan file is missing SSN validation to verify accuracy. |  |  | 5/1/2024: Remains. Need a SSN Validation from a third party to verify accuracy.<br> 5/17/2024: Remains. Received validation from SS # for borrower 2. Did not received for borrower 1. <br> 5/21/2024: Resolved. Provided requested documents. | 5/1/2024: Remains. Need a SSN Validation from a third party to verify accuracy.<br> 5/17/2024: Remains. Received validation from SS # for borrower 2. Did not received for borrower 1. <br> 5/21/2024: Resolved. Provided requested documents. | Validated | SSN verification provided in trailing docs, page 24 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626837 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 3RGINGKFEGF-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626837 | Compliance | Compliance | Resolved | Resolved | 3RGINGKFEGF-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl R) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: (Recording Fee) XX/XX/XXXX. The change resulted in the 10% threshold to go above allowable tolerance. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 5/14/2024 Remains. Although the cure provided resolved a portion of the violation, the loan still fails tolerance. The pest inspection was originally tested under no tolerance; however, this fee is subject to 10% because the fee was not listed on the Loan Estimates. The fee was added to the CD issued XX/XX/XXXX without a valid reason. If a lender is allowing a consumer to shop for a service, the fee must be added to the Loan Estimates. Adding the fee allows the consumer to shop accordingly. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the addition. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br> 5/20/2024 Resolved. The documentation provided is sufficient to cure the violation. | 5/14/2024 Remains. Although the cure provided resolved a portion of the violation, the loan still fails tolerance. The pest inspection was originally tested under no tolerance; however, this fee is subject to 10% because the fee was not listed on the Loan Estimates. The fee was added to the CD issued XX/XX/XXXX without a valid reason. If a lender is allowing a consumer to shop for a service, the fee must be added to the Loan Estimates. Adding the fee allows the consumer to shop accordingly. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the addition. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br> 5/20/2024 Resolved. The documentation provided is sufficient to cure the violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626838 | Compliance | Compliance | Active | 2: Acceptable with Warnings | MP51LQPFYV2-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 2) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626838 | Credit | Insurance | Waived | Waived | MP51LQPFYV2-7V8G8MVK | HOI | \* Hazard Insurance (Lvl W) | Flood insurance policy is missing. The hazard insurance policy (p.330) states it includes flood coverage; however, it does not specify the flood insurance coverage amount to verify sufficient coverage. | LTV is 66.67% vs 85% max on cash out. DTI is 40.408 and max for program is 60%. credit score is 684 vs 620 required. |  | 5/20/2024: Remains. The flood coverage of $XX,XXX is less than the loan amount and the Appraised value - land. $XXX,XXX - $XXX,XXX = $XXX,XXX minimum coverage. <br> 6/11/2024: Remains. The replacement cost per the appraisal is higher than the coverage provided. At the time of origination the replacement cost per the appraisal was $XXX,XXX and the coverage provided was short. Recent confirmation from the agent that the coverage has not been increased to be sufficient per requirements is not acceptable. Current validation that the replacement cost of the home is $XX,XXX or proof of increase in coverage to meet $XXX,XXX is required. <br> 6/12/2024: Waive. Received clarification that the coverage for the Hazard is sufficient per XXXX. Compensating factors are listed.  | 5/20/2024: Remains. The flood coverage of $XX,XXX is less than the loan amount and the Appraised value - land. $XXX,XXX - $XXX,XXX = $XXX,XXX minimum coverage. <br> 6/11/2024: Remains. The replacement cost per the appraisal is higher than the coverage provided. At the time of origination the replacement cost per the appraisal was $XXX,XXX and the coverage provided was short. Recent confirmation from the agent that the coverage has not been increased to be sufficient per requirements is not acceptable. Current validation that the replacement cost of the home is $XX,XXX or proof of increase in coverage to meet $XXX,XXX is required. <br> 6/12/2024: Waive. Received clarification that the coverage for the Hazard is sufficient per XXXX. Compensating factors are listed.  | Not Reviewed | Comments indicate condition was waived. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626838 | Compliance | Compliance | Active | 2: Acceptable with Warnings | MP51LQPFYV2-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626838 | Compliance | Compliance | Resolved | Resolved | MP51LQPFYV2-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl R) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: (XXXXXXXXX Cert) XX/XX/XXXX and (Recording Fee) XX/XX/XXXX. The change resulted in the 10% threshold to go above allowable tolerance. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 5/20/2024 Resolved. The refund provided is sufficient to cure the violation. | 5/20/2024 Resolved. The refund provided is sufficient to cure the violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626838 | Credit | Credit | Resolved | Resolved | MP51LQPFYV2-BGXHGJCO | Unable to verify PITI on other mortgage debt (ATR) | \* Unable to verify PITI on other mortgage related obligations (ATR) (Lvl R) | Per the loan file, the borrower owns an investment property located at XXXX X XXXXX XX. with a mortgage secured to it from XXXX XXXXXXXX XXXX having a monthly payment of $XXX (p.595). Per the mortgage statement (p.430), taxes and insurance are not included in the mortgage payment. The borrowers paid off this mortgage with the proceeds of the subject property; however, the file is missing evidence of the taxes and insurance on the property and there is nothing stated on the loan application to include in the DTI. Without this documentation, the DTI is not properly calculated. |  |  | 5/20/2024: Remains. Did not receive validation of the hazard insurance on the property at XXXX X XXXXX XX. Received the taxes and that portion is cleared. The information from the property detail report is from XXXX. Unable to assume the home is not in the borrowers name. <br> 6/12/2024: Cleared. Received validation that the borrower is not owner of the property at XXXX XXXX XXXXX. copy of property information received verifying owner as XXXXXX XXX XXXXXXXX XXXXXX. | 5/20/2024: Remains. Did not receive validation of the hazard insurance on the property at XXXX X XXXXX XX. Received the taxes and that portion is cleared. The information from the property detail report is from XXXX. Unable to assume the home is not in the borrowers name. <br> 6/12/2024: Cleared. Received validation that the borrower is not owner of the property at XXXX XXXX XXXXX. copy of property information received verifying owner as XXXXXX XXX XXXXXXXX XXXXXX. | validated | Verification is in file showing XXXXXX and XXXXXXXXX XXXXXX are owners however, the verification is dated in XX/XX/XXXX. The Note date is XX/XX/XXX. The final 1003 states the property will be paid of at or before closing. The final CD dated XX/XX/XXXX shows XXXX XXX XXXX is paid off. It does not appear the property was sold at the time of closing. Missing verification of T&I for DTI calc. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626840 | Valuation | ValuationWaterfall | Waived | Waived | MZDKUU2G3TF-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl W) | The subject appraised as is for $XXX,XXX.XX. Site size and value is bracketed; however, the subject condition is C4 and all comparables condition are C2 or C3. FNMA CU Score is 5 and although detail in reasoning for the use of comparables was provided by the appraiser, Agency does not agree with the use of comps and adjustments made. No additional valuation to support the file was provided. |  | Actually - can we get reporting updated to show that we acknowledged the appraisal exception on XXXXXXXX/XXXXXXXX?<br>From: XXXXX XXX <br> Sent: XXXXXXXX, XX/XX/XXXX 4:28 PM | 6/28/2024: Waived. Acknowledgment from XXXXT regarding the appraisal exception and they have waived the need for further documentation and have accepted the current comments and comparables. | 6/28/2024: Waived. Acknowledgment from XXXXT regarding the appraisal exception and they have waived the need for further documentation and have accepted the current comments and comparables. | Not Reviewed | Comments indicate condition was waived. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626842 | Credit | Guidelines | Resolved | Resolved | NE0KMD5SICV-HZN226DS | Asset | \* Asset documentation does not meet guideline requirment (Lvl R) | The loan file is missing the terms of withdrawal for the 401K account. Per lender guidelines, the account must allow for withdrawals regardless of employment status. |  |  | 6/21/2024: Cleared. Page 7 of 17 of the 401k details show that money can be borrowed as much as 50% based on tenure with company for 3 years, active employees only can borrow at 1% above the prime rate. | 6/21/2024: Cleared. Page 7 of 17 of the 401k details show that money can be borrowed as much as 50% based on tenure with company for 3 years, active employees only can borrow at 1% above the prime rate. | Validated | Loan file included 401K details with terms of withdrawal. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626842 | Credit | Credit | Resolved | Resolved | NE0KMD5SICV-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The Deed dated XX/XX/XXX transferring ownership from XXXXXX X XXXX to the borrower is not executed (p.520). The loan file is missing the signed Deed. |  |  | 6/13/2024: Cleared. Copy of the deed was received. Property was transferred on XX/XX/XXXX. | 6/13/2024: Cleared. Copy of the deed was received. Property was transferred on XX/XX/XXXX. | Validated | Warranty Deed page 1 of trailing docs, final title page 14 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626842 | Credit | Credit | Resolved | Resolved | NE0KMD5SICV-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The loan file does contain the written agreement of the terms of transfer (p.522); however, it is not signed as required. The loan file is missing the signed agreement. |  |  | 6/21/2024: Cleared. Received the Retirement Savings Plan. | 6/21/2024: Cleared. Received the Retirement Savings Plan. | Validated | Documentation provided in trailing docs sufficient to resolve exception |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626842 | Credit | Insurance | Resolved | Resolved | NE0KMD5SICV-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | The hazard insurance policy for the subject property (p.677) is a renter's policy; however, the subject property is a primary residence. |  |  | 6/21/2024: Cleared. Received State Farm policy for the subject. It shows full dwelling coverage, personal property and loss of use coverage. | 6/21/2024: Cleared. Received State Farm policy for the subject. It shows full dwelling coverage, personal property and loss of use coverage. | Validated | Trailing folder, page 47 (effective dates XX/XX/XXXX - XX/XX/XXXX) and page 37 (renewal effective dates XX/XX/XXXX to XX/XX/XXXX). |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626843 | Compliance | Compliance | Active | 2: Acceptable with Warnings | VIESYH2LGJU-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626843 | Compliance | Compliance | Resolved | Resolved | VIESYH2LGJU-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl R) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The addition of the Title Attendance/Pick Up fee on the consummation CD, and the increase to the following fees on the CD issued XX/XX/XXXX was not accepted because a valid reason was not provided: Title E-recording (+.XX) and Recording Fee (+XXX). The change resulted in the 10% threshold to go above allowable tolerance by $XXX.XX. A refund of $XX.XX was refunded at closing. A cost to cure in the amount of $XXX.XX is still required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 5/24/2024 Remains. The total amount from the initial LE that counts towards setting the baseline is $XX7. Fees not charged at the end are not included in setting the baseline. Therefore, the Title Anti Predatory and the Title Tax Payment cannot be included in the calculation. With a baseline of $XXX, the threshold for 10% is $XXXX.XX. The total fees charged was $XXXX.XX. The transaction is $XXX.XX above 10% threshold. A refund of $XX.XX was provided at closing. A cost to cure in the amount of $XXX.XX is still required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increases. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). <br> 5/28/2024 Remains. Although 10% is a cumulative of the total of fees, "the creditor should compare the sum of the charges actually paid by or imposed on the consumer with the sum of the estimated charges on the Loan Estimate that are actually performed. If a service is not performed, the estimate for that charge should be removed from the total amount of estimated charges". (Comment 19(e)(3)(ii)-5)<br> 6/3/2024 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | 5/24/2024 Remains. The total amount from the initial LE that counts towards setting the baseline is $XX7. Fees not charged at the end are not included in setting the baseline. Therefore, the Title Anti Predatory and the Title Tax Payment cannot be included in the calculation. With a baseline of $XXX, the threshold for 10% is $XXXX.XX. The total fees charged was $XXXX.XX. The transaction is $XXX.XX above 10% threshold. A refund of $XX.XX was provided at closing. A cost to cure in the amount of $XXX.XX is still required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increases. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). <br> 5/28/2024 Remains. Although 10% is a cumulative of the total of fees, "the creditor should compare the sum of the charges actually paid by or imposed on the consumer with the sum of the estimated charges on the Loan Estimate that are actually performed. If a service is not performed, the estimate for that charge should be removed from the total amount of estimated charges". (Comment 19(e)(3)(ii)-5)<br> 6/3/2024 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626843 | Compliance | Compliance | Resolved | Resolved | VIESYH2LGJU-6M19D32R | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to discount points on the CD issued XX/XX/XXXX was not accepted because a valid reason was not provided. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 5/24/2024 Remains. The response provided had to do with the 10% violation. The increase to discount points on the CD issued XX/XX/XXX was not accepted because a valid reason was not provided. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br> 6/3/2024 Resolved. The documentation provided is sufficient to cure the violation. | 5/24/2024 Remains. The response provided had to do with the 10% violation. The increase to discount points on the CD issued XX/XX/XXX was not accepted because a valid reason was not provided. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br> 6/3/2024 Resolved. The documentation provided is sufficient to cure the violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626845 | Credit | Credit | Resolved | Resolved | BGL34XRWE4G-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The borrower states on loan application the current primary at X XXXXXXX XXXXX XX, mortgage debt is in non occupant spouses name. The file does not contain valid proof the borrower is not responsible for the mortgage through a copy of the Note, payment, title run down report or fraud report. |  |  | 5/24/2024: Cleared Received CD from closing showing the purchase is in the no applicant spouses name only. | 5/24/2024: Cleared Received CD from closing showing the purchase is in the no applicant spouses name only. | Validated | Closing Disclosure verifying primary loan provided in trailing docs page 36 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626845 | Credit | Credit | Resolved | Resolved | BGL34XRWE4G-BGXHGJCO | Unable to verify PITI on other mortgage debt (ATR) | \* Unable to verify PITI on other mortgage related obligations (ATR) (Lvl R) | The loan file shows two additional rental units on the tax returns for XXXX that no longer appear on the loan application but were not sold in XXXX. It is unclear the status of these properties located at XXXXX XXXX XXX XXXXXXXXXX. The DTI without additional mortgage PITIA is 50%. |  |  | 5/24/2024: Cleared. Received proof through Property HUB these two properties are not in the borrowers name. | 5/24/2024: Cleared. Received proof through Property HUB these two properties are not in the borrowers name. | Unvalidated | Missing verification that XXXXX XXXX and XXXXXXXXX were sold. Property HUB docs are not in the file. | Property HUB doc provided | N/A | See uploaded/attached docs | Unvalidated<br> Property HUB report provided for XXX XXXXXXXXX XXXX and is accepted. <br> No documentation was provided for proof of sale of XXXXX XXXXX XXXXX |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626846 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 4CD3QMOSBUA-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 2) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon compleXX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626847 | Credit | Credit | Resolved | Resolved | MZ5O0VN1UBF-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The primary residence listed on page one of the loan application says the borrower owns it (p.657); however, it is not listed in the real estate owned section of the loan application including the expenses in the DTI. The file contains a letter (p.37) stating it is owned free and clear and there are not taxes on the property; however, there is no documentation to support this. The loan file is missing documentation to verify the departure residence on Dawn Drive is owned free and clear and verifying the taxes and insurance on the property to include in the DTI. Audit DTI with no additional debt is 39.35%. |  |  | 5/28/2024: Resolved. Provided required documentation. | 5/28/2024: Resolved. Provided required documentation. | Unvalidated | The property report provided in the loan file is not sufficient to determine if currently free and clear of any liens. In addition, no documentation of no property taxes required was provided. | Final title policy provided. Clear of any issues. Reserves = 103938.08; DTI = 41.13797; LTV = 95; FICO = 799 | N/A | Clear | Unvalidated<br> Title policy for the borrower's primary residence was not found in a re-review of the loan file and trailing file. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626847 | Credit | Property | Waived | Waived | MZ5O0VN1UBF-00IRJXJ7 | FEMA Declaration - (Individual & Public) | \* FEMA Declaration - Natural Disaster Area (Individual & Public). Missing Subsequent Property Inspection (Lvl W) | The subject is in a XXXX disaster area with an incident period of XX/XX/XXXX-XX/XX/XXXX. The loan file is missing a post-disaster inspection verifying no damage has been done to the subject property. |  |  |  |  | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626847 | Credit | Credit | Resolved | Resolved | MZ5O0VN1UBF-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The XXXX Schedule E reflects a rental property at XXXXX XXXXXXX (p.545) that is not disclosed on the loan application. The file contains a letter from the borrower (p.37) that states the property is sold and it can be seen on the capital gains on the tax return. The XXXX tax returns show a residential property was sold XX/XX/XXXX (p.570); however, it does not list the address of the property sold to verify it was the cited property. Provide the Closing Disclosure for the sale of the property to verify it is no longer owned. Audit DTI with no additional debt is 39.35% |  |  | 5/28/2024: Resolved. Provided documentation verifying it is no longer owned. | 5/28/2024: Resolved. Provided documentation verifying it is no longer owned. | Validated | Documentation provided in trailing docs sufficient to resolve exception, page 28 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626848 | Compliance | Compliance | Active | 2: Acceptable with Warnings | U5DUSPFG3FU-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)), the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)), and the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. Consummation occurred XX/XX/XXXX and the transaction is a purchase of a primary residence. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626848 | Compliance | Compliance | Active | 2: Acceptable with Warnings | U5DUSPFG3FU-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 2) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626848 | Credit | Doc Issue | Waived | Waived | U5DUSPFG3FU-FRS27DRA | MI, FHA or MIC missing and required | \* MI, FHA or MIC missing and required (Lvl W) | The MI Cert is missing. The factors for testing were found on the Evidence of Mortgage Insurance located on page 145. Although these were used for testing, the MI Cert from the provider is required. |  |  |  |  | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626848 | Compliance | Compliance | Active | 2: Acceptable with Warnings | U5DUSPFG3FU-95NA4ABR | TRID - SPL missing | \* TRID - SPL missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626848 | Compliance | Compliance | Active | 2: Acceptable with Warnings | U5DUSPFG3FU-YF1S1X5R | TRID- Initial LE timing fail | \* TRID- Initial LE timing fail (Lvl 2) | The loan failed the Initial Loan Estimate delivery date test (from application). The earliest LE in the loan file was issued on XX/XX/XXXX XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. Consummation occurred XX/XX/XXXX and the transaction is a purchase of a primary residence. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626849 | Credit | Credit | Resolved | Resolved | E2HKEHXUL2H-AZLMIG7T | Condo HOA Documentation | \* Condo HOA Documentation (Lvl R) | The loan file did not contain any information regarding the condo project, including if the property is warrantable or non warrantable, master policy for building or condo questionnaire. |  |  | 5/29/2024: Resolved. Provided FNMA Condo Approval. | 5/29/2024: Resolved. Provided FNMA Condo Approval. | Validated | FNMA Condo approval provided. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626849 | Credit | Eligibility | Resolved | Resolved | E2HKEHXUL2H-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | The max DTI of 60% was not met. The borrower has had multiple employers over the course of the last 2 years. BRW has been with current employer since XX/XX/XXXX, approximately 4 months. The current earnings for this time shows income significantly higher than the BRW has earned over the last 2 year. The prior year of XXXX YTD income levels were lower resulting in a monthly income of $X,XXX.XX. The current paystubs show earnings of $XX.XX per hour at 40 hours weekly or $X,XXX.XX per month. Per guidelines stable monthly income is defined as a minimum 1 year of receiving income for it to be stable and considered for use to qualify. Borrowers income is not supported based on previous employment and earnings provided. Based on an average of YTD and previous W2 earnings the loan would be qualified earning of $X,XXX.XX monthly. The borrower also receives SSI for child which is $X,XXX.XX and is included in total income calculations of calculations of $X,XXX.XX. With both incomes, the DTI exceeds 60% allowed for the program. The audit DTI is 85.7%. |  |  | 5/29/2024: Remains. The DTI exceeds the GL max of 60%.<br> 5/30/2024: Remains. Documentation provided does not address the income. DTI exceeds max allowable of 60%. | 5/29/2024: Remains. The DTI exceeds the GL max of 60%.<br> 5/30/2024: Remains. Documentation provided does not address the income. DTI exceeds max allowable of 60%. | Unvalidated | Documentation provided does not address the income. DTI exceeds max allowable of 60% | DTI is within acceptable parameters. Loan is performing. DTI = 58.32641; LTV = 88; FICO = 731 | N/A | Clear | Unvalidated<br> DTI issue was not resolved. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626849 | Credit | Credit | Resolved | Resolved | E2HKEHXUL2H-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl R) | The loan file does not meet ATR due to DTI exceeding 60% max DTI. The borrower has had multiple employers over the course of the last 2 years. BRW has been with current employer since XX/XX/XXXX, approximately 4 months. The current earnings for this time shows income significantly higher than the BRW has earned over the last 2 year. The prior year of XXXX YTD income levels were lower resulting in a monthly income of $X,XXX.XX. The current paystubs show earnings of $XX.XX per hour at 40 hours weekly or $X,XXX.XX per month. Per guidelines stable monthly income is defined as a minimum 1 year of receiving income for it to be stable and considered for use to qualify. Borrowers income is not supported based on previous employment and earnings provided. Based on an average of YTD and previous W2 earnings the loan would be qualified earning of $X,XXX.XX monthly. The borrower also receives SSI for child which is $X,XXX.XX and is included in total income calculations of calculations of $X,XXX.XX. With both incomes, the DTI exceeds 60% allowed for the program. The audit DTI is 85.7%. |  |  | 5/29/2024: Remains. The DTI exceeds the GL max of 60%.<br> 5/30/2024: Remains. Documentation provided does not address the income. DTI exceeds max allowable of 60%.<br> 5/31/2024: Resolved. Audit re-evaluated borrower income and determined income from employment to be $X,XXX.XX plus social security of $X,XXX.XX for total audit income of $X,XXX.XX resulting in a DTI of 58.326% which is within guideline maximum of 60% | 5/29/2024: Remains. The DTI exceeds the GL max of 60%.<br> 5/30/2024: Remains. Documentation provided does not address the income. DTI exceeds max allowable of 60%.<br> 5/31/2024: Resolved. Audit re-evaluated borrower income and determined income from employment to be $X,XXX.XX plus social security of $X,XXX.XX for total audit income of $X,XXX.XX resulting in a DTI of 58.326% which is within guideline maximum of 60% | Validated | Audit recalculated income based on the original loan file information |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626849 | Credit | Insurance | Resolved | Resolved | E2HKEHXUL2H-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | The file is missing the HO6 policy on the subject for "walls in" coverage. |  |  | 5/29/2024: Resolved. Provided master policy that includes Walls In coverage and improvements & Betterments coverage. | 5/29/2024: Resolved. Provided master policy that includes Walls In coverage and improvements & Betterments coverage. | Unvalidated | Master policy provided (page 23 trailing folder) is for a different unit and person. The Borrower and subject unit number are not listed. | Compensating factors | Reserves = 1491.77; DTI = 58.32641; LTV = 88; FICO = 731 | Clear | Unvalidated. Missing HOI |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626850 | Credit | Credit | Resolved | Resolved | J1250X4PJ0F-AZLMIG7T | Condo HOA Documentation | \* Condo HOA Documentation (Lvl R) | The loan file is missing the condominium questionnaire to determine all requirements have been met and evidence a full review was completed as required by lender guidelines (p.59) |  |  | 5/28/2024: Remains. Provided Processor Cert with all condominium questionnaire questions answered; however, it does not provide the information of the who provide the information.<br> 5/30/2024: Remains. Processor cert does not have the contact person and title of who was spoken to at the HOA. Provide actual condo questionnaire or contact information of the person and title at XXXXXXXXXX that provided the answers to the questions.<br> 5/31/2024: Remains. Review of guidelines do not require the actual Condo Questionnaire form and Appraisal or condominium questionnaire is acceptable to determine eligibility. | 5/28/2024: Remains. Provided Processor Cert with all condominium questionnaire questions answered; however, it does not provide the information of the who provide the information.<br> 5/30/2024: Remains. Processor cert does not have the contact person and title of who was spoken to at the HOA. Provide actual condo questionnaire or contact information of the person and title at XXXXXXXXXX that provided the answers to the questions.<br> 5/31/2024: Remains. Review of guidelines do not require the actual Condo Questionnaire form and Appraisal or condominium questionnaire is acceptable to determine eligibility. | Validated | 1.1.23 Guidelines, page 59, states appraisal is acceptable to determine eligibility. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626850 | Valuation | Property | Waived | Waived | J1250X4PJ0F-FSPW8MVQ | Property Issues indicated | \* Property Issues indicated (Lvl W) | Review of guidelines do not require the actual Condo Questionnaire form and Appraisal or condominium questionnaire is acceptable to determine eligibility. As condo questionnaire is not available, the appraisal information is relied upon. The loan file does not contain verification a full review was completed and approved. XXXX guidelines allow non-Warrantable condominiums; however, the maximum allowable investor concentration is up to 70% allowed. Per the appraisal there are a total of 544 units sold with 462 rented units, making the investor concentration 84.9% which exceeds the maximum allowable of 70%. | 75% LTV is below the maximum 95% LTV by 20%. <br> DTI is 28.5% below maximum DTI of 60%. <br> 723 Representative credit score exceeds the minimum required credit score of 620 by 103 Points. <br> Borrower has $4097.82 residual income after all expenses. |  |  |  | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626850 | Credit | Credit | Resolved | Resolved | J1250X4PJ0F-BGXHGJCO | Unable to verify PITI on other mortgage debt (ATR) | \* Unable to verify PITI on other mortgage related obligations (ATR) (Lvl R) | The loan application states the borrower owns her primary residence (p.752); however, it is not reflected in the REO section of the loan application (p.754). The Liability section has a XXXXXX XXXXXXXX #XXXX listed for $XXX,XXX.XX with a payment of $X,XXX.XX and the 1008 (p.803) states this XXXXXX XXXXXXXX is on the primary residence and the Closing Disclosure and Note were in the file. The loan file is missing the Closing Disclosure and Note for the new XXXXXX XXXXXXXX secured to the primary residence to verify the PITI for the primary residence. Audit used the loan application figure for calculations. |  |  | 5/28/2024: Resolved. Provided requested documents. | 5/28/2024: Resolved. Provided requested documents. | Unvalidated | The loan file is missing the Closing Disclosure and Note for the new XXXXXX XXXXXXXX secured to the primary residence to verify the PITI for the primary residence. 1003 p18 Trailing shows XXXXXX XXX in liability section. | Compensating factors | Reserves = 18402.61; DTI = 31.46873; LTV = 75; FICO = 723 | Clear | Unvalidated. Missing PITI for primary - unable to calculate. |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626851 | Credit | Credit | Resolved | Resolved | WKQMI1FWQNV-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The CD shows that the borrower received Freddie Mac assistance, the loan file does not contain documentation regarding this assistance and potential for pay back. |  |  | 5/24/2024: Cleared. Received validation of assets and Grant. | 5/24/2024: Cleared. Received validation of assets and Grant. | Validated | Documentation provided in trailing docs sufficient to resolve exception, beginning page 12 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626851 | Credit | Credit | Resolved | Resolved | WKQMI1FWQNV-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl R) | The loan file is missing assets to verify sufficient funds to close in the amount of $X,XXX.XX plus 2 months PITIA reserves $X,XXX.XX for a total of $X,XXX.XX The application lists a checking account from XXXXX XXXXXXXXX XXXX with a balance of $XX,XXX.XX; however, no bank statements provided. | Borrower credit score is 704 vs program requirement of 640. |  | 5/24/2024: Cleared. Received validation of assets and Grant. | 5/24/2024: Cleared. Received validation of assets and Grant. | Validated | Documentation provided in trailing docs for grant, beginning page 12. Assets verified p39. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626852 | Valuation | Property | Resolved | Resolved | MEESBJACUXT-7QGY2J7Z | Completed "Subject To" w/o Compltn Cert in File | \* Completed "Subject To" w/o Compltn Cert in File (Lvl R) | Per the appraisal on page 674 the value was subject to completion per plans and specifications. The file does not have a Final Inspection. |  |  | 6/14/2024: Cleared. Received Completion certificate. | 6/14/2024: Cleared. Received Completion certificate. | Validated | Completion Cert located on page 6 trailing folder |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626852 | Credit | Credit | Resolved | Resolved | MEESBJACUXT-AZLMIG7T | Condo HOA Documentation | \* Condo HOA Documentation (Lvl R) | The loan file is missing the condo certification if Warrantable or Unwarrantable. |  |  | 6/14/2024: Cleared. Loan was approved under Limited Review. | 6/14/2024: Cleared. Loan was approved under Limited Review. | Validated | Loan was approved under Limited Review |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626852 | Compliance | Compliance | Active | 2: Acceptable with Warnings | MEESBJACUXT-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 2) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626852 | Compliance | Compliance | Active | 2: Acceptable with Warnings | MEESBJACUXT-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626852 | Compliance | Compliance | Resolved | Resolved | MEESBJACUXT-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the appraisal fee on the LE issued XX/XX/XXXX was not accepted because a valid reason was not provided. A cost to cure in the amount of $XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 6/14/2024 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately. | 6/14/2024 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626854 | Credit | Assets Insufficient | Resolved | Resolved | 4Q1SV1305RM-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl R) | The loan file did not contain sufficient funds to close the subject loan. The CD in file shows cash to close of $XXX,XXX.XX + a $X,XXX.XX0 deposit made. The documentation for funds to close and the deposit were not located. The loan file only verifies assets with XXXXXXXX XXXXXXX of $X,XXX.XX. The rest of the funds were to come from the sale of XXXXXXXXXXXXX property; however the CD for this sale was not in the loan file. |  |  |  |  | Unvalidated | The loan file includes a closing statement regarding the sale of the departure residence to show funds of $XXX,XXX.XX however it was not a final Closing Disclosure and was not executed or certified (p634 and p22 of Trailing docs). | Compensating factors | LTV = 80; FICO = 734 | Clear |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626854 | Credit | Credit | Resolved | Resolved | 4Q1SV1305RM-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl R) | The loan does not meet the ATR due to insufficient assets verified to close the subject loan. The CD in file shows cash to close of $XXX,XXX.XX + a $X,XXX.XX deposit made. The documentation for funds to close and the deposit were not located. The loan file only verifies assets with XXXXXXXX XXXXXXX of $X,XXX.XX. The rest of the funds were to come from the sale of Wollschlaeger property; however the CD for this sale was not in the loan file. |  |  | 7/2/2024: Cleared. Received Final closing statement from the sale of XXX XXXXXXXXXXXX XXXXX netting $XXX,XXX.XX. | 7/2/2024: Cleared. Received Final closing statement from the sale of XXX XXXXXXXXXXXX XXXXX netting $XXX,XXX.XX. | validated | The Trailing folder, page 22-24 and Main folder, page 634, includes a closing statement for the sale of the departure residence to show funds of $XXX,XXX.XX. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626856 | Compliance | Compliance | Active | 2: Acceptable with Warnings | DKLKRZQ4BFM-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. Consummation occurred XX/XX/XXXX and the transaction is a purchase of a primary residence. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626859 | Credit | Credit | Resolved | Resolved | YYCHZMNN433-CCLGCHKX | Lease Requirement | \* Lease Requirement (Lvl R) | The file contains rental leases for the subject beginning XX/XX/XXXX XX/XX/XXXX and all units were vacant. The file does not contain clarification for this discrepancy. |  |  | 7/2/2024: Cleared. All rental properties added at 100% debt this meets the guidelines with this included for DTI. | 7/2/2024: Cleared. All rental properties added at 100% debt this meets the guidelines with this included for DTI. | Validated | Income calculated using 100% of PITIA for properties in question, |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626859 | Credit | Credit | Resolved | Resolved | YYCHZMNN433-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | The loan file is missing the XXXX 1065 for XXX XXXXXX XXX and XXXX 1120 for XXXXX XXXXXXX XXX to allow audit to calculate income. The file contains the XXXX 1065 (p.765) and K1 (p.773) and the XXXX K1 (p.1125) only for XXXX XXXXXXX XXX and XXXX 1120 (p.750) for XXXXX XXXXXXX XXX. Based on the Income Worksheets (p.79-80), the XXXX 1065 and the XXXX 1120 was used to calculate origination income. XXXX guidelines require the use of the most recent tax returns. Audit use origination income until the receipt of the XXXX 1120 and 1065. |  |  | 7/2/2024: Cleared. Received tax returns for two businesses as requested. | 7/2/2024: Cleared. Received tax returns for two businesses as requested. | Validated | XXXX 1065 tax return located on page 13 Trailing doc. XXXX 1120 tax return located on page 29 Trailing doc. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626859 | Credit | Underwriting | Resolved | Resolved | YYCHZMNN433-NHCKSV5Y | Missing Lease Agreement | \* Missing Lease Agreement (Lvl R) | The lease in the file for XXX XXXX XX, 1st Floor is not signed by the landlord or the tenant (p.982). |  |  | 7/2/2024: Cleared. All rental properties added at 100% debt this meets the guidelines with this included for DTI. | 7/2/2024: Cleared. All rental properties added at 100% debt this meets the guidelines with this included for DTI. | validated | all rental properties added at 100% debt. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626864 | Compliance | Disclosures | Resolved | Resolved | BHVGU4U5PN5-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  | 6/28/2024 Resolved. The documentation provided is sufficient to cure the violation. | 6/28/2024 Resolved. The documentation provided is sufficient to cure the violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626866 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 3H0BZVRDNCU-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626866 | Compliance | Compliance | Resolved | Resolved | 3H0BZVRDNCU-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl R) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increase to the following fee(s) was not accepted because a valid reason was not provided: Recording fees, (XX/XX/XXXX. The change resulted in the 10% threshold to go above allowable tolerance. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 7/17/2024 Remains. The disclosure provided is not sufficient to cure the violation. The transaction failed 10% tolerance because the recording fee increased from $90 to 104 without a valid reason. The increase occurred on the disclosure issued XX/XX/XXXX. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br> 7/18/2024 Remains. The reason provided is not sufficient to cure the 10% violation. The recording fee increase is not affected by a change in "loan type/program". A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br> 7/26/2024 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | 7/17/2024 Remains. The disclosure provided is not sufficient to cure the violation. The transaction failed 10% tolerance because the recording fee increased from $90 to 104 without a valid reason. The increase occurred on the disclosure issued XX/XX/XXXX. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br> 7/18/2024 Remains. The reason provided is not sufficient to cure the 10% violation. The recording fee increase is not affected by a change in "loan type/program". A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br> 7/26/2024 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626866 | Compliance | Compliance | Resolved | Resolved | 3H0BZVRDNCU-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid reason was not provided: Appraisal Fee. A cost to cure in the amount of enter amount $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 7/17/2024 Remains. The disclosure provided is not sufficient to cure the violation. The transaction failed zero tolerance because the appraisal fee increased from $XXX to XXX without a valid reason. The increase occurred on the disclosure issued XX/XX/XXXX. <br> 7/26/2024 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | 7/17/2024 Remains. The disclosure provided is not sufficient to cure the violation. The transaction failed zero tolerance because the appraisal fee increased from $XXX to XXX without a valid reason. The increase occurred on the disclosure issued XX/XX/XXXX. <br> 7/26/2024 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626869 | Credit | Underwriting | Resolved | Resolved | 5MR2C2ETIE2-NHCKSV5Y | Missing Lease Agreement | \* Missing Lease Agreement (Lvl R) | Lender guidelines (p.43) state for the purchase of an investment property or X-X units, use the estimated market rents or actual rents if leases are being transferred with the purchase. Per the appraisal, the subject is a XXXX unit with XXXXX units tenant occupied and one unit vacant. Photos support on vacant unit. The loan file contains a letter (p.208) stating the leases will be transferred upon completion of purchase; however, the loan file does not contain the leases to verify the lease amounts toX,XXX.XX for each of the three units for rental income until receipt of the leases. |  |  | 8/6/2024: Cleared. Received 3 leases for the additional units and adjusted income accordingly. DTI is within guidelines. | 8/6/2024: Cleared. Received 3 leases for the additional units and adjusted income accordingly. DTI is within guidelines. | Validated | Lease agreements provided on pages 1, 6 and 11 Trailing folder. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626869 | Credit | Credit | Active | 2: Acceptable with Warnings | 5MR2C2ETIE2-EPL92N3P | Purchase Contract | \* Purchase Contract (Lvl 2) | Per the contract of sale (p.319) #XX, the borrower does not intend to occupy the subject property; however, the Occupancy Affidavit (p.84) states the subject will be occupied as a primary residence. The loan closed as a primary residence. The loan file does not contain clarification for the discrepancy of the occupancy or an updated contract. | 88% LTV is below the maximum 98% LTV by 10%. <br> DTI is 30.177% below maximum DTI of 60%. <br> 727 Representative credit score exceeds the minimum required credit score of 640 by 87 Points. <br> $31,308.05 reserves exceed the minimum required of $0 by 7.17 months over the required minimum.<br> Borrower has $10,815.15 residual income after all expenses. |  |  |  | Not Reviewed | Finding was acknowledged and downgraded based on compensating factors. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626870 | Credit | Underwriting | Resolved | Resolved | MBWWH5LIE0A-PH3WIAVD | Income | \* Income documentation is incomplete (Lvl R) | The loan file is missing the XXXX K1 for the borrower from XXX XXXX XXX. |  |  | 7/23/2024: Resolved. Provided required K1 | 7/23/2024: Resolved. Provided required K1 | Validated | XXXX K1 for XXX XXXXe |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626872 | Credit | Doc Issue | Resolved | Resolved | TCS2RDDNDH3-OPN6CQBU | Application Missing | \* Application Missing (Lvl R) | The initial 1003 is missing. Unable to determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Homeownership Counseling Disclosure. The defect can be resolved by providing the missing document. |  |  | 8/21/2024 Revolved. Providing the initial 1003 was sufficient to cure the violation. | 8/21/2024 Revolved. Providing the initial 1003 was sufficient to cure the violation. | Validated | Initial 1003 was provided p52 of Trailing. <br>|  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626872 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | TCS2RDDNDH3-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626872 | Compliance | Compliance | Active | 2: Acceptable with Warnings | TCS2RDDNDH3-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 2) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626872 | Compliance | Compliance | Active | 2: Acceptable with Warnings | TCS2RDDNDH3-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 2) | The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. Per (§ 3500.17(g)) the servicer must submit an initial escrow account statement to the borrower at settlement or within forty-five calendar days of settlement for escrow accounts that are established as a condition of the loan. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626872 | Valuation | Doc Issue | Resolved | Resolved | TCS2RDDNDH3-SWGGJEY3 | Missing flood cert | \* Missing flood cert (Lvl R) | The loan file is missing the flood cert. |  |  | 8/15/2024: Cleared. Received Flood cert - Zone X. | 8/15/2024: Cleared. Received Flood cert - Zone X. | Validated | Flood cert on p47 of trailing docs. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626872 | Compliance | Disclosures | Resolved | Resolved | TCS2RDDNDH3-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  | 8/15/2024 Resolved. The e-consent provided is sufficient to cure the violation. | 8/15/2024 Resolved. The e-consent provided is sufficient to cure the violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626872 | Compliance | Doc Issue | Resolved | Resolved | TCS2RDDNDH3-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl R) | The lock confirmation (document showing date of rate lock) is missing. Auditor is unable to determine if the revised disclosure issued XX/XX/XXXX was provided within 3 business days of the lock date. Although the regulation does not require a revised disclosure unless the charges and or terms become inaccurate, without a disclosure, the auditor is unable to determine if lender credits were added or increased. The defect may be cured by providing evidence lender credits did not increase once the rate locked. |  |  | 8/21/2024 Resolved. The lock date provided is sufficient to cure the violation. | 8/21/2024 Resolved. The lock date provided is sufficient to cure the violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626872 | Compliance | Compliance | Active | 2: Acceptable with Warnings | TCS2RDDNDH3-95NA4ABR | TRID - SPL missing | \* TRID - SPL missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626872 | Compliance | Compliance | Resolved | Resolved | TCS2RDDNDH3-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the discount points on disclosure XX/XX/XXXX was not accepted. Although the change appears to be valid (rate lock), because a date was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $X,XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing the lock date. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 8/21/2024 Resolved. Providing the lock date was sufficient to cure the tolerance violation. | 8/21/2024 Resolved. Providing the lock date was sufficient to cure the tolerance violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626872 | Compliance | Compliance | Resolved | Resolved | TCS2RDDNDH3-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl R) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD may be missing from the loan file. The earliest CD in the loan file was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  | 8/21/2024 Resolved. Providing the initial CD was sufficient to cure the violation. | 8/21/2024 Resolved. Providing the initial CD was sufficient to cure the violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626872 | Credit | Credit Documents | Resolved | Resolved | TCS2RDDNDH3-N0AFQ8X3 | Valid ID - Missing | \* Valid ID - Missing (Lvl R) | The loan file is missing a valid ID or completed Patriot Act form verifying the borrowers ID. |  |  | 8/15/2024: Cleared. Received copy of borrower drivers license. | 8/15/2024: Cleared. Received copy of borrower drivers license. | Validated | DL in file p39 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626873 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 2VBSFTPXW2T-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date,XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626873 | Compliance | Compliance | Resolved | Resolved | 2VBSFTPXW2T-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the appraisal fee on disclosure XX/XX/XXXX, and the addition of the Title E-Recording fee (paid to affiliate) on the CD XX/XX/XXXX were not accepted because a valid reason was not provided. A cost to cure in the amount of $XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 8/5/2024 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | 8/5/2024 Resolved. The refund provided is sufficient to cure the tolerance violation. Because it was reimbursed more than 60 days after consummation, a grade 2 finding was added separately.  | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626874 | Credit | Credit | Resolved | Resolved | SAN30DYTIHM-AZLMIG7T | Condo HOA Documentation | \* Condo HOA Documentation (Lvl R) | The Condo Questionnaire states there is a special assessment of $X,XXX,XXX.XX that is paid monthly; however, does not have a breakdown of how much per unit (p.269 & 271) to include in the DTI. The current audit DTI is 44.7%. |  |  | 8/2/2024: Cleared. Received explanation that the assessment is part of the HOA and the confirmed HOA fee is $XXX.XX monthly. | 8/2/2024: Cleared. Received explanation that the assessment is part of the HOA and the confirmed HOA fee is $XXX.XX monthly. | Validated | Received explanation that the assessment is part of the HOA and the confirmed HOA fee is $XXX.XX monthly. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626874 | Compliance | Compliance | Active | 2: Acceptable with Warnings | SAN30DYTIHM-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 2) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626875 | Credit | Credit | Waived | Waived | XQNYY4XFU4Q-0BLBZVJN | Credit | \* Missing Documentation (Lvl W) | Per the final CD (p.93), the borrower received a XXXXXXX XXXXXXXXXX XXXXXof $X,XXX.XX. The loan file is missing the documentation for this grant to verify the funds are eligible. | 88.16% LTV is below the maximum 98% LTV by 9.84%. <br> DTI is 26.591% below maximum DTI of 60%. <br> 790 Representative credit score exceeds the minimum required credit score of 640 by 150 Points. <br> Borrower has $6,740.77 residual income after all expenses.<br> Borrower has been employed at current job for 10 years. |  | 8/7/2024: XXXX waived as known stated defect. | 8/7/2024: XXXX waived as known stated defect. | Not Reviewed | Client states known defect |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626875 | Compliance | Compliance | Active | 2: Acceptable with Warnings | XQNYY4XFU4Q-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 2) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626875 | Credit | Credit | Resolved | Resolved | XQNYY4XFU4Q-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The loan file is missing the Closing Disclosure for sale of departure residence located at XXXXXXXXXX XXXXX XX verifying the property has been sold and the net proceeds. Per the loan application (p.248) the borrower had net proceeds from the sale of $XX,XXX.XX and the mortgage was not included in the DTI; however, the file does not contain the documentation verifying the property sold. |  |  | 8/7/2024: Cleared. Received CD dated XX/XX/XXXX verifying the sale of XXX XXXXXXXXXX XXXXX XXX. with a net proceed of $XX,XXX.XX and the payoff of the mortgage with XX XXXXXX XXXXX. | 8/7/2024: Cleared. Received CD dated XX/XX/XXXX verifying the sale of XXX XXXXXXXXXX XXXXX XXX. with a net proceed of $XX,XXX.XX and the payoff of the mortgage with XX XXXXXX XXXXX. | Validated | Documentation provided in trailing docs sufficient to resolve exception, beginning page 1 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626878 | Credit | Other Disclosures | Resolved | Resolved | BUWWOLWIGEL-J67UPU9C | Final Application is missing | \* Final Application is missing (Lvl R) | The loan file is missing the signed final loan application for both borrowers. |  |  | 8/19/2024 Resolved. Providing the final 1003 was sufficient to cure the violation. | 8/19/2024 Resolved. Providing the final 1003 was sufficient to cure the violation. | Validated | Final, signed 1003 located on pages 77 and 84 trailing folder. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626878 | Compliance | Disclosures | Resolved | Resolved | BUWWOLWIGEL-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  |  | 8/19/2024 Resolved. Providing the E-consent was sufficient to cure the violation. | 8/19/2024 Resolved. Providing the E-consent was sufficient to cure the violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626878 | Compliance | Compliance | Resolved | Resolved | BUWWOLWIGEL-3M9M97XI | TRID - Initial CD delivery date test fail | \* TRID - Initial CD delivery date test fail (Lvl R) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) Although evidence was provided showing the consumer received the disclosure electronically, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. Consummation occurred XX/XX/XXXX and the transaction is a refinance of an investment property. The statute of limitation has expired. |  |  | 8/19/2024 Resolved. Providing the E-consent was sufficient to cure the timing violation. | 8/19/2024 Resolved. Providing the E-consent was sufficient to cure the timing violation. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626879 | Credit | Credit | Resolved | Resolved | VF4VDNNROF0-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The final loan application (p.346) shows a mortgage with XXXXXXX XXXXXXXXX XXXXXXXX in the amount of $XXX,XXX.XX with a payment of $XXX.XX secured to XXX XXX XXXXXXXX XX that is not on the credit report. The loan file does not contain any documentation to verify this mortgage amount and payment. |  |  | 8/20/2024: Cleared. The subject appears on tax returns Sch C for XXXX. this shows all costs applied to property | 8/20/2024: Cleared. The subject appears on tax returns Sch C for XXXX. this shows all costs applied to property | Validated | XXX taxes and Sch E for this property shows no mortgage interest, so it was a new mortgage. Verification of Tax, Insurance and HOA was provided. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626879 | Credit | Eligibility | Resolved | Resolved | VF4VDNNROF0-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | The loan files does not meet the program guidelines of 60% max DTI. Based on the 1 year personal and business returns received, the income was less than that used at origination. At origination the W2 earnings were higher in the calculation than what was listed on the W2's. Once corrected the DTI increased to 61.8%. |  |  | 8/21/2024: Remains. The DTI recalculated at audit was 61.8%. This includes the new XXXX balance listed on page 163 of $X,XXX.XX with a 2% monthly obligation. <br> 8/30/2024: Cleared. Stmt actually has a credit. Correct DTI is 59.5%. | 8/21/2024: Remains. The DTI recalculated at audit was 61.8%. This includes the new XXXX balance listed on page 163 of $X,XXX.XX with a 2% monthly obligation. <br> 8/30/2024: Cleared. Stmt actually has a credit. Correct DTI is 59.5%. | Validated | Documentation provided in the original loan file results in a DTI calculation correction. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626879 | Credit | Credit | Resolved | Resolved | VF4VDNNROF0-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl R) | The receipt of income docs confirms the loan does not meet the program guidelines for DTI. The DTI exceeds 60% allowed at 61.8%. This is based off a 1 year review of personal and business tax returns. Review of the origination income calculation shows that the W2 earnings were input higher than confirmed by the W2's in file. |  |  | 8/21/2024: Remains. The DTI recalculated at audit was 61.8%. This includes the new XXXX balance listed on page 163 of $X,XXX.XX with a 2% monthly obligation. <br> 8/30/2024: Cleared. Stmt actually has a credit. Correct DTI is 59.5%. | 8/21/2024: Remains. The DTI recalculated at audit was 61.8%. This includes the new XXXX balance listed on page 163 of $X,XXX.XX with a 2% monthly obligation. <br> 8/30/2024: Cleared. Stmt actually has a credit. Correct DTI is 59.5%. | Validated | Audit recalculated based on accurate debts |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626879 | Credit | Credit | Resolved | Resolved | VF4VDNNROF0-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | Both borrowers are self-employed owning the same business. Lender guidelines require the most recent year personal tax returns and business tax returns (form 1065/1120S) & K1's for the most recent year. The loan file does not contain either. Income worksheets in the file (p.677-678) include information from 1120S returns; however, they are not in the file to enable audit to calculate income. Additionally, the borrower owns the subject investment property and an additional investment property, and the file is missing the Schedule E from the prior year to calculate rental income. Rental Income worksheets for both properties (p.673-674) are in the file; however, the file does not contain the tax returns. Audit has used origination income as documentation is not available. It is to be noted once income documents are received additional exceptions maybe found. |  |  | 8/20/2024 received. | 8/20/2024 received. | Validated | Required income documentation provided in trailing docs, 1120-S pages 26/79; 1040 personal 83/80 and Schedule E page 91 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626881 | Credit | Doc Issue | Resolved | Resolved | 0FSFW5KFHMZ-L2B1HTEY | Credit report incomplete | \* Credit report incomplete (Lvl R) | The loan file is missing the OFAC check for both borrowers. |  |  | 8/20/2024: Cleared. Received the Fraud report which reflects the OFAC report on page 44/45. | 8/20/2024: Cleared. Received the Fraud report which reflects the OFAC report on page 44/45. | Validated | Fraud report with OFAC check is provided (P43 of trailing docs) |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626881 | Credit | Eligibility/Fraud | Resolved | Resolved | 0FSFW5KFHMZ-3E43X3G3 | Fraud Report Missing | \* Missing Fraud Report (Lvl R) | The loan file is missing a fraud report. |  |  | 8/20/2024: Cleared. Received the Fraud Report. | 8/20/2024: Cleared. Received the Fraud Report. | Validated | Fraud Report located on page 43 Trailing folder. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626881 | Credit | Credit | Resolved | Resolved | 0FSFW5KFHMZ-7A3BXPYY | Participant list | \* Participant list (Lvl R) | The loan file is missing the XXXXXXX XXXXXX XXXXXXXXXXX check for the loan participants. |  |  | 8/20/2024: Cleared. Received the participant list as part of the fraud report received pg 44/45. | 8/20/2024: Cleared. Received the participant list as part of the fraud report received pg 44/45. | Validated | Fraud report with OFAC check is provided (P43 of trailing docs) |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626883 | Credit | Credit | Resolved | Resolved | 0W0AXHCIAZ3-BGXHGJCO | Unable to verify PITI on other mortgage debt (ATR) | \* Unable to verify PITI on other mortgage related obligations (ATR) (Lvl R) | The fraud report (p.177) reflects the borrower owns a property located at XX XXXX XXX, Apt XX since XXXX with a mortgage of $XXX,XXX.XX. This property was not disclosed on the loan application. The loan file is missing evidence the property is no longer owned or evidence of the PITIA to include in the DTI. | 47.79% LTV is below the maximum 90% LTV by 42.21%. <br> DTI is 18.003% below maximum DTI of 60%. <br> 749 Representative credit score exceeds the minimum required credit score of 620 by 129 Points. <br> $73,096.20 reserves exceed the minimum required of $8,082.18 by $65,014.02 over the required minimum.<br> Borrower has $6,434.10 residual income after all expenses.<br> 0x30 mortgage history for 42 months. |  | 8/15/2024: Cleared. The property report provided Shows the borrower sold the property XX/XX/XXXX | 8/15/2024: Cleared. The property report provided Shows the borrower sold the property XX/XX/XXXX | Validated | p650-651 Property report shows the property transferred XX/XX/XXXX |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626885 | Credit | Doc Issue | Resolved | Resolved | FKURNEQHLM5-OPN6CQBU | Application Missing | \* Application Missing (Lvl R) | The initial 1003 is missing. The defect can be resolved by providing the missing document. |  |  | 10/28/2024 Resolved. The 1003 provided was sufficient to cure violation. | 10/28/2024 Resolved. The 1003 provided was sufficient to cure violation. | Validated | Initial 1003 was provided p13 of Trailing. <br>|  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626885 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | FKURNEQHLM5-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626885 | Compliance | Compliance | Active | 2: Acceptable with Warnings | FKURNEQHLM5-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 2) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626885 | Compliance | Compliance | Active | 2: Acceptable with Warnings | FKURNEQHLM5-95NA4ABR | TRID - SPL missing | \* TRID - SPL missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626886 | Credit | Doc Issue | Resolved | Resolved | A5RQQPRJYYQ-OPN6CQBU | Application Missing | \* Application Missing (Lvl R) | The initial 1003 is missing. Unable to determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Homeownership Counseling Disclosure. The defect can be resolved by providing the missing document. |  |  | 10/28/2024 Resolved. Initial 1003 provided is sufficient to cure violation. | 10/28/2024 Resolved. Initial 1003 provided is sufficient to cure violation. | Validated | Initial 1003 was provided p9 of Trailing. <br>|  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626886 | Compliance | Compliance | Active | 2: Acceptable with Warnings | A5RQQPRJYYQ-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 2) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX3. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)). |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626886 | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | A5RQQPRJYYQ-QGZLW42M | Homeownership Counseling List | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. If transaction meets guidelines for business purposes, the affidavit of occupancy and the business purpose letter stating the cash is to be used for business may cure the violation. |  |  |  |  | Not Reviewed | EVB |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626886 | Compliance | Compliance | Active | 2: Acceptable with Warnings | A5RQQPRJYYQ-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl 2) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). Because the SPL was missing/, fees in Section C were subject to 10% tolerance. The changes resulted in threshold to go above allowable tolerance. A cost to cure in the amount of $XXX.XX is required. The defect may be resolved by providing the missing document, reimbursing the consumer, or providing a valid reason for the increases. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the business purpose letter stating the cash is to be used for business may cure the violation. Consummation occurred XX/XX/XXXX and the transaction is a refinance of an investment property. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626886 | Compliance | Compliance | Active | 2: Acceptable with Warnings | A5RQQPRJYYQ-3M9M97XI | TRID - Initial CD delivery date test fail | \* TRID - Initial CD delivery date test fail (Lvl 2) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii))The initial CD may be missing from the loan file. The earliest CD in the loan file was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. If transaction meets guidelines for business purposes, the affidavit of occupancy and the business purpose letter stating the cash is to be used for business may cure the violation. Consummation occurred XX/XX/XXXX and the transaction is a refinance of an investment property. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626886 | Compliance | Compliance | Active | 2: Acceptable with Warnings | A5RQQPRJYYQ-95NA4ABR | TRID - SPL missing | \* TRID - SPL missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. If transaction meets guidelines for business purposes, the affidavit of occupancy and the business purpose letter stating the cash is to be used for business may cure the violation. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626886 | Compliance | Compliance | Active | 2: Acceptable with Warnings | A5RQQPRJYYQ-6M19D32R | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to discount points on disclosure XX/XX/XXXX was not accepted. Although the change appears to be valid (loan amount), because a date was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or by providing the date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). If transaction meets guidelines for business purposes, the affidavit of occupancy and the business purpose letter stating the cash is to be used for business may cure the violation. Consummation occurred XX/XX/XXXX and the transaction is a refinance of an investment property. The statute of limitation has expired. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626887 | Valuation | Doc Issue | Resolved | Resolved | 1AYJ1MANRN4-SWGGJEY3 | Missing flood cert | \* Missing flood cert (Lvl R) | The loan file is missing a flood certificate. |  |  | 9/11/2024: Cleared. received Flood Cert showing the subject is not in a flood zone. | 9/11/2024: Cleared. received Flood Cert showing the subject is not in a flood zone. | Validated | Flood cert on p11 of trailing docs. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626888 | Compliance | Compliance | Resolved | Resolved | YEMCVY5VO2D-3M9M97XI | TRID - Initial CD delivery date test fail | \* TRID - Initial CD delivery date test fail (Lvl R) | There is no evidence of an initial and/or revised CD provided to the non-borrower. Per regulation, CD(s) must be provided to all who have the right to rescind. The defect can be resolved by providing evidence showing the non-borrower received the disclosure timely. If disclosure was received electronically, the Econsent is required as well. |  |  | 10/3/2024 Resolved. The tracking disclosure provided is sufficient to cure the timing violation for the non-borrower. | 10/3/2024 Resolved. The tracking disclosure provided is sufficient to cure the timing violation for the non-borrower. | Validated |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626889 | Credit | Doc Issue | Resolved | Resolved | 4IQNGIC24T4-OPN6CQBU | Application Missing | \* Application Missing (Lvl R) | The initial 1003 is missing. Unable to determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Homeownership Counseling Disclosure. The defect can be resolved by providing the missing document. |  |  | 10/3/2024 Resolved. Providing the initial 1003 was sufficient to cure the violation. | 10/3/2024 Resolved. Providing the initial 1003 was sufficient to cure the violation. | Validated | Initial 1003 was provided p18 of Trailing. <br>|  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626889 | Credit | Credit | Resolved | Resolved | 4IQNGIC24T4-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file is missing page 1 of the credit bureau verifying all three credit scores. |  |  | 10/9/2024: Cleared. Received first page of credit bureau. | 10/9/2024: Cleared. Received first page of credit bureau. | Validated | Credit Report provided on pages 29-35 trailing file. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626889 | Credit | Doc Issue | Resolved | Resolved | 4IQNGIC24T4-L2B1HTEY | Credit report incomplete | \* Credit report incomplete (Lvl R) | The credit report in file on page 64 is incomplete. There is no indication of whose credit report is in the file. All pages for the BRW credit is required. |  |  | 10/3/2024: Cleared. Received full credit report for the borrower. | 10/3/2024: Cleared. Received full credit report for the borrower. | Validated | Complete credit report provided (p28 of Trailing docs). |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626889 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 4IQNGIC24T4-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 2) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626895 | Credit | Property | Waived | Waived | 5X0TYNMYVEE-MMFXQ9QT | FEMA Declaration - (Public) | \* FEMA Declaration - Natural Disaster Area (Public). Missing Subsequent Property Inspection (Lvl W) | Lender guidelines state Sellers are responsible for identifying geographic areas impacted by disasters and taking appropriate steps to ensure the subject property has not been adversely affected. The subject is in a XXXX declared disaster area for Hurricane Milton with an incident date of XX/XX/XXXX. The loan file does not contain a post-disaster inspection verifying no damage was done to the property. |  |  | 11/7/2024: XXXX waived stating current BPO received. | 11/7/2024: XXXX waived stating current BPO received. | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626895 | Credit | Credit | Waived | Waived | 5X0TYNMYVEE-IAW403JB | Occupancy- Potential Occupancy Misrepresentation | \* Occupancy- Potential Occupancy Misrepresentation (Lvl W) | The subject was purchased as primary residence; however, was an investment property. The loan file contains a post-closing Linked-In printout of a post from the borrower containing pictures of the subject and stating she worked with one of the best investment teams for the renovation and has it listed as a farmhouse inspired rental property (p.129). Additionally, there were many red flags at the time of origination that there is an issue with the occupancy. The Articles of Organization for the Seller (p.299) list the mailing address for the seller as the same address listed on the loan application as the borrower's current residence; therefore, there was a clear relationship between the buyer and seller at the time of origination. According to the appraisal, the seller purchased the subject XX/XX/XXXX for $XXX,XXX.XX (p.319) and there are details of the full interior renovation included in the appraisal (p.330) which supports the Linked In printout that the subject was renovated. Additionally, the contract of sale was signed XX/XX/XXXX; however, the EMD wasn't given until XX/XX/XXX and totaled all funds needed to close with all of the funds being gift funds. As further verification the subject was not purchased as owner occupied, current Zillow search shows the subject was listed for rent XX/XX/XXXX and the listing was not removed until XX/XX/XXXX. | 90% LTV is below the maximum 98% LTV by 8%. <br> DTI is 19.015% below maximum DTI of 60%. <br> 768 Representative credit score exceeds the minimum required credit score of 640 by 128 Points. <br> Borrower has $7,697.26 residual income after all expenses.<br> Borrower has been employed in same career seven for years. |  | 11/7/2024: XXXX waived - stated defect | 11/7/2024: XXXX waived - stated defect | Not Reviewed | Finding waived |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626895 | Credit | Title Issue | Resolved | Resolved | 5X0TYNMYVEE-3MGROFI3 | Title issue | \* Title issue (Lvl R) | The preliminary title shows the seller has a mortgage of $XXX,XXX.XX (p.505); however, this does not show as paid off on the final CD (p.7, 11). |  |  | 11/5/2024: Cleared. Received Sellers Closing disclosure showing the mtg paid off in the amount of $XXX,XXX.XX dated XX/XX/XXXX | 11/5/2024: Cleared. Received Sellers Closing disclosure showing the mtg paid off in the amount of $XXX,XXX.XX dated XX/XX/XXXX | Validated | Seller Cd shows lien paid. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626896 | Compliance | Compliance | Active | 2: Acceptable with Warnings | THTDYJG5V01-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 2) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626896 | Credit | Doc Issue | Resolved | Resolved | THTDYJG5V01-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl R) | The loan file is missing the origination credit report with the file #XXXXXXXX that is on the origination inquiry statement (p.36) from the credit company. The loan file contains a post-close credit report dated XX/XX/XXXX (p.19) and XX/XX/XXXX (p.27). It is unknown the origination score or if trade line requirements were met at origination without review of the origination credit report. Audit used debt from loan application to calculate the DTI. |  |  | 10/21/2024: Resolved. Provided origination credit report. | 10/21/2024: Resolved. Provided origination credit report. | Validated | Credit report on page 20, trailing doc folder |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626897 | Credit | Assets Insufficient | Resolved | Resolved | FMCGIDJNABV-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl R) | Per the final CD, the borrower gave an EMD of $XX,XXX.X and paid $XX,XXX.XX to close. The EMD is documented (p.232). The borrower has verified assets of $XX,XXX.XX which is not sufficient to close and meet reserve requirements. The loan file is missing the source of funds for the $XX,XXX.XX deposit on XX/XX/XXXX into XXXX XX XXXXXXX #XXXX (p.117); therefore it was backed out of the verified assets. The file contains terms of withdrawal from a 401K and shows a printout showing a withdrawal request was pending as of XX/XX/XXXX (p.446) but there is no documentation verifying the deposit of $XX,XXX.XX on XX/XX/XXXX was from the 401K. |  |  | 12/19/2024: Cleared. Received validation of the 401k balance and distribution of $XX,XXX.XX from XXXX XX XXXXXXXX 401k plan to support funds to close. | 12/19/2024: Cleared. Received validation of the 401k balance and distribution of $XX,XXX.XX from XXXX XX XXXXXXXX 401k plan to support funds to close. | Validated | 401K distribution provided on p36 in trailing docs. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626897 | Credit | Credit | Resolved | Resolved | FMCGIDJNABV-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file is missing evidence that the borrower was checked with OFAC with no results found. |  |  | 12/18/2024: Cleared. Received Fraud report which contained OFAC clear. | 12/18/2024: Cleared. Received Fraud report which contained OFAC clear. | Validated | OFAC check located on page 118 Trailing folder. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626897 | Credit | Credit | Resolved | Resolved | FMCGIDJNABV-NUWHQML7 | Credit history inadequate/does not meet g/l (ATR) | \* Credit history insufficient/does not meet guidelines (ATR) (Lvl R) | The loan file is missing the credit report to verify the credit score of 680 per the 1008 and to evaluate the debt properly and determine if the trade line requirement has been met. Audit used debts from final 1003 to calculate DTI and confirmed score on AUS. | 93% LTV is below the maximum 98% LTV by 5%<br> DTI is 17.649 below maximum DTI of 60%. <br> 680 Representative credit score exceeds the minimum required credit score of 640 by 40 Points. <br> Borrower has $4,652.58 residual income after all expenses.<br> Borrower has been employed at current job for 16 years. |  | 12/18/2024: Cleared received credit bureau dated XX/XX/XXXX meets requirements. | 12/18/2024: Cleared received credit bureau dated XX/XX/XXXX meets requirements. | Validated | 5/12/2022 Credit report provided with qualifying FICO of 680 (p38 of trailing docs). |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626897 | Credit | Doc Issue | Resolved | Resolved | FMCGIDJNABV-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl R) | The loan file is missing the credit report. |  |  | 12/18/2024: Cleared received credit bureau dated XX/XX/XXXX. | 12/18/2024: Cleared received credit bureau dated XX/XX/XXXX. | Validated | Credit report on page 39, Trailing folder |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626899 | Credit | Assets Insufficient | Resolved | Resolved | X0ABF3VT2HP-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl R) | Per the final CD, the borrower gave an EMD of $XX,XXX.XX and paid $XX,XXX.XX to close. The EMD is documented (p.235, 234, 547). The borrower has verified assets of $9,097.89 which is sufficient to close and meet reserve requirements. The gift of $25,312.67 is not verified as received. Lender guidelines (p.53) state proof of transfer and receipt of gift funds is required to be documented with any of the following: A copy of the donor's check and the borrower's deposit slip, A copy of the donor's withdrawal slip(s) and the borrower's deposit slip, Bank statement evidencing deposit of gift funds, A copy of the donor's check to the closing agent, or the final settlement statement or final Closing Disclosure showing receipt of the donor's check. The file contains a gift letter (p.551) for a gift of $25,312.67 and the donor's ability (p.553); however, none of the required documents verifying receipt of the gift funds is in the file. The file does contain an email from the lender (p.469) to unknown parties saying wire received as the subject and stating the amount received was $XX,XXX.XX; however, it does not state who the wire was from to verify it was the gift and it is not from the settlement agent. Actual wire receipt showing who sent the wire and who received the wire is required to verify this was the actual gift funds. | 88.35% LTV is below the maximum 98% LTV by 9.65%. <br> DTI is 9.38% below maximum DTI of 60%. <br> 760 Representative credit score exceeds the minimum required credit score of 640 by 120 Points. <br> Borrower has $7,868.55 residual income after all expenses.<br> 0x30 mortgage history for 48 months. |  | 10/28/2024: Cleared. received letter from XXXXXXXXX XXXX verifying that a wire was received from donors XXXXXXX account in the amount of $XX,XXX.XX on XX/XX/XXXX as indicated in the loan file. The borrowers name and property address is also included as validation of the receipt. | 10/28/2024: Cleared. received letter from XXXXXXXXX XXXX verifying that a wire was received from donors XXXXXXX account in the amount of $XX,XXX.XX on XX/XX/XXXX as indicated in the loan file. The borrowers name and property address is also included as validation of the receipt. | Validated | Letter from XXXXXXXXX XXXX provided on p32 of trailing docs. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626899 | Credit | Credit | Resolved | Resolved | X0ABF3VT2HP-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file contains an Installment Agreement application for outstanding tax liability from XXXX, XXXX & XXX (p.565) and confirmation of a payment made on XX/XX/XXXX (p.563). The loan file is missing documentation confirming the IRS installment agreement was approved by the IRS and the payment history verifying the loan has been paid in a timely manner. | 88.35% LTV is below the maximum 98% LTV by 9.65%. <br> DTI is 9.38% below maximum DTI of 60%. <br> 760 Representative credit score exceeds the minimum required credit score of 640 by 120 Points. <br> Borrower has $7,868.55 residual income after all expenses.<br> 0x30 mortgage history for 48 months. |  | 10/28//2024: Cleared. XXXX guidelines do not address IRS Tax Lien requirements. the loan was initially approve FHLMC which allows for Installment Agreements pending with the IRS to be determined by the application and the requested payment by the borrower used. | 10/28//2024: Cleared. XXXX guidelines do not address IRS Tax Lien requirements. the loan was initially approve FHLMC which allows for Installment Agreements pending with the IRS to be determined by the application and the requested payment by the borrower used. | Validated | Lender GL silent regarding required documentation for IRS Installment Agreements |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626899 | Credit | Underwriting | Resolved | Resolved | X0ABF3VT2HP-JH48LW86 | VVOE > 10 days prior to Note date | \* VVOE > 10 days prior to Note date (Lvl R) | Lender guidelines (p.35) require a verbal VOE or acceptable alternative for self-employed income dated within 120 days of the Note date. The loan file contains a printout from the Secretary of State (acceptable alternative) for both businesses dated XX/XX/XXXX3 (p.633-636) which exceeds the 120 days from the Note date of XX/XX/XXXX. | 88.35% LTV is below the maximum 98% LTV by 9.65%. <br> DTI is 9.38% below maximum DTI of 60%. <br> 760 Representative credit score exceeds the minimum required credit score of 640 by 120 Points. <br> Borrower has $7,868.55 residual income after all expenses.<br> 0x30 mortgage history for 48 months. |  | 10/28/2024: Cleared. Received validation from Secretary of State regarding SE date XX/XX/XXXX confirming business is active. | 10/28/2024: Cleared. Received validation from Secretary of State regarding SE date XX/XX/XXXX confirming business is active. | Validated | XXXXXXXX XXX printout is dated XX/XX/XXXX. Note date is XX/XX/XXXX |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626900 | Compliance | Compliance | Active | 2: Acceptable with Warnings | D12B55NIFSR-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 2) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626900 | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | D12B55NIFSR-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The lock confirmation (document showing date of rate lock) is missing. Auditor is unable to determine if the revised disclosure issued XX/XX/XXXX was provided within 3 business days of the lock date. Although the regulation does not require a revised disclosure unless the charges and or terms become inaccurate, without a disclosure, the auditor is unable to determine if lender credits were added or increased. In addition, the lock date is required for HPML testing. The defect may be cured by providing evidence lender credits did not increase once the rate locked. |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626901 | Compliance | Compliance | Active | 2: Acceptable with Warnings | T5OPGHVMDG4-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl 2) | The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to the consummation date, XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that shows the consumer received the report timely. (12 CFR 1002.14(a)(1)) |  |  |  |  | Not Reviewed |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626902 | Credit | Credit | Resolved | Resolved | MJJUEMLPC0W-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file is missing evidence the two rental properties located on XXX XX XX are owned free and clear as disclosed on the loan application. |  |  | 11/18/2024: Cleared. Received Letter from borrower, confirming XXXXX XXXXXXXX XX was a family home that her son lived in rent free and a copy of the county web site not showing a mortgage recorded against the property. | 11/18/2024: Cleared. Received Letter from borrower, confirming XXXXX XXXXXXXX XX was a family home that her son lived in rent free and a copy of the county web site not showing a mortgage recorded against the property. | Validated | Evidence to verify property in question as free and clear, page 525, main file |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626903 | Credit | Credit | Resolved | Resolved | ZYJTDAHEI2M-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | Per the final loan application, the following loans were refinanced and not included in the DTI: XX XXXXXX #XXXX ($XXX,XXX) secured against XXXXXXXXX property, XX XXXX XXX #XXXX ($XXX,XXX) secured against the XXXXXX XXXX XX Unit X property, XXXXXXXX XXX XX #XXXX ($XX,XXX) and XXXXXXX XX #XXXX ($XX,XXX). The loan file does not contain the Closing Disclosures verifying these loans were paid in full via refinances. |  |  | 11/18/2024: Cleared. Received CD's showing that the two mortgages were pif and the new PITI. | 11/18/2024: Cleared. Received CD's showing that the two mortgages were pif and the new PITI. | Validated | Documentation provided trailing docs pages 7/12 |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626903 | Credit | Guidelines | Waived | Waived | ZYJTDAHEI2M-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl W) | Lender guidelines (p.24) states borrowers may own a maximum number of nine financed properties including the subject property. The borrower owns 10 financed properties inclusive of the subject property. | 75% LTV is below the maximum 90% LTV by 15%. <br> DTI is 30.216% below maximum DTI of 60%. <br> 763 Representative credit score exceeds the minimum required credit score of 620 by 143 Points. <br> $88,855.30 reserves exceed the minimum required of $23,211.10 by $65,644.20 over the required minimum.<br> Borrower has $9,260.93 residual income after all expenses. |  | 11/18/2024: XXXX acknowledges and waives. | 11/18/2024: XXXX acknowledges and waives. | Not Reviewed | XXXX acknowledged and waived. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626903 | Credit | Credit | Resolved | Resolved | ZYJTDAHEI2M-BGXHGJCO | Unable to verify PITI on other mortgage debt (ATR) | \* Unable to verify PITI on other mortgage related obligations (ATR) (Lvl R) | The loan application reflects the XXXXXX XXXX XX, Unit X property having a mortgage with XX XX XXXXXXXX in the amount of $XXX,XXX with a payment of $X,XXX.XX and taxes and insurance of $XXX.XX as well as the XXXXXXXXXXX XX property having a mortgage with XX XX XXXXXXXX in the amount of $XXX,XXX and payment of $X,XXX.XX with taxes and insurance of $XXX.XX. These mortgages do not appear on the credit report and the loan file does not contain documentation verifying these mortgages and PITIA amounts for each property. Audit utilized origination figures for calculation at time of review. |  |  | 11/18/2024: Cleared. Received CD's on both properties confirming the payoff of the mortgages and the new piti. | 11/18/2024: Cleared. Received CD's on both properties confirming the payoff of the mortgages and the new piti. | Validated | CDs for both properties in Trailing docs file p7&12. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626904 | Credit | Property | Waived | Waived | OWRBZGR0Q3W-ENY5D08E | FEMA Declaration - (Individual) | \* FEMA Declaration - Natural Disaster Area (Individual). Missing Subsequent Property Inspection (Lvl W) | Lender guidelines (p.63) require the lender to take appropriate steps to ensure the subject has not been adversely affected when area is impacted by disaster. The subject property is in a XXXX declared disaster area for Texas Severe Storms, straight line winds, tornadoes and flooding with an incident period of XX/XX/XXXX-XX/XX/XXXX and a declaration date of XX/XX/XXXX. The loan file is missing a post-disaster inspection verifying there has been no damage to the subject property. |  |  | 11/7/2024: XXXX is waiving | 11/7/2024: XXXX is waiving | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626904 | Credit | Credit | Active | 2: Acceptable with Warnings | OWRBZGR0Q3W-HZ5671LK | Missing Doc | \* Missing Doc (Lvl 2) | The initial application (p.313) has three investment properties (XXXXX XXXX XX and XXXXXX XXX and XXXX XX); however, they are not on the final loan application. The loan file is missing clarification for the removal of the debts. |  |  |  |  | Not Reviewed | Downgraded due to non-material. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626908 | Credit | Guidelines | Active | 2: Acceptable with Warnings | CF3523DJVNB-MSMT4EJC | Bankruptcy History does not meet guidelines | \* Bankruptcy History does not meet guidelines (Lvl 2) | The borrower has filed bankruptcy and foreclosure within 7 years per initial and final 1003 (p.109, 463). The credit report does not reflect either. Data Verify confirms the foreclosure was in XXXX (p.514) which meets the two-year waiting requirements; however, there is nothing in the file verifying the date of the bankruptcy discharge to verify it meets the two-year waiting requirement. | DTI is 23.685% below maximum DTI of 60%. <br> 791 Representative credit score exceeds the minimum required credit score of 640 by 151 Points. <br> Borrower has $4,278.91 residual income after all expenses |  | 12/5/2024: Remains. The credit in file does not reflect a BK; however both the initial and final 1003 reflect in the declarations section yes to the foreclosure and BK questions. Final Grade B-X. | 12/5/2024: Remains. The credit in file does not reflect a BK; however both the initial and final 1003 reflect in the declarations section yes to the foreclosure and BK questions. Final Grade B-X. | Not Reviewed | Neither Initial or Final 1003's reflect a yes to the BK question, only to the FC question which was validated by the XXXX XXXXXXX |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626908 | Income | Income | Resolved | Resolved | CF3523DJVNB-TFI3BVP1 | Employment | \* Employment Information Incomplete (Lvl R) | The Work Number from the current employer states the borrower has been employed with them since XX/XX/XXXX as a XXXXXXXXXX XXXXXXXX XXXX (p.894); however, the loan application (p.460) states the borrower has been employed there since XX/XX/XXXX as a XXXXXX XX. The file does contain prior TWN's to support a two year history of employment; however, there is no verification of the start date of XX/XX/XXXX. It is to be noted, it appears the borrower left the current employment at some point in XXXX and returned at some point in XXXX based on the annual income summary; but there is no clarification of the actual dates. The TWN shows the borrower only earned $XX,XXX.XX in XXX and nothing in XXXX and $XX,XXX.XX in XXXX. Clarification of the active employment dates for the current job is missing to enable determination that the XXXX earnings are in line based on the actual months worked. | DTI is 23.685% below maximum DTI of 60%. <br> 791 Representative credit score exceeds the minimum required credit score of 640 by 151 Points. <br> Borrower has $4,278.91 residual income after all expenses. |  | 12/12/2024: Cleared. Received the following explanation on the employment in XXXX to show borrowers earnings have been relative for the past 2 years. Current year has been with XXXXXX XXXXX AKA as XXXXX XXXXXXXX. In XXXX he worked with XXX XXX XX XXXXXX earning $X,XXX.XX and XXXXX XXXXXXX for $XX,XXX.XX. The borrower has total earnings in XXXX of $XX,XXX.XX which is more in line with current XXXX earnings. | 12/12/2024: Cleared. Received the following explanation on the employment in XXXX to show borrowers earnings have been relative for the past 2 years. Current year has been with XXXXXX XXXXX AKA as XXXXX XXXXXXXX. In XXXX he worked with XXX XXX XX XXXXXX earning $X,XXX.XX and XXXXX XXXXXXX for $XX,XXX.XX. The borrower has total earnings in XXXX of $XX,XXX.XX which is more in line with current XXXX earnings. | validated | Explanation provided for employment history |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626911 | Credit | Eligibility | Resolved | Resolved | HNDUXM3RIDX-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | The DTI at audit was found to be 73% vs 60% maximum per program guidelines. This was due to student loans that were not validated to be deferred. The loan file contain validation of 14 deferred student loans but there were an additional 13 loans that were qualified with a 1% payment per guidelines. This increased the final DTI outside of program guidelines. |  |  | 10/29/2024: Remains. Provided the same proof that was in the file for the 14 deferred student loans with DPEDNELNET that audit did not include in the DTI; however, there remains XX student loans with XXXXX/XXX that no documentation was provided; therefore, audit included 1% of the balance as the payment in the DTI. <br> 11/1/2024: Remains. The Account summary is for XXXXXX student loans only and does not include XXXXX/XXX student loans. These are two different student loan companies. Internal email is insufficient to confirm that they are all consolidated into the one loan. XXXXXXXXXX each account to the letter of deferment does not include any account numbers generated from XXXXXX/XXX. <br> 11/4/2024: Remains. The credit bureau sent shows that the XXXXXXX accounts are deferred, it does not show that the XXXXXXX/XXX are deferred and the addition of these accounts push the DTI over acceptable DTI. <br> 11/5/2024: Cleared. Received validation that the payments for the student loan monthly obligations are less than original amount used. The credit bureau shows monthly payments. | 10/29/2024: Remains. Provided the same proof that was in the file for the 14 deferred student loans with DPEDNELNET that audit did not include in the DTI; however, there remains XX student loans with XXXXX/XXX that no documentation was provided; therefore, audit included 1% of the balance as the payment in the DTI. <br> 11/1/2024: Remains. The Account summary is for XXXXXX student loans only and does not include XXXXX/XXX student loans. These are two different student loan companies. Internal email is insufficient to confirm that they are all consolidated into the one loan. XXXXXXXXXX each account to the letter of deferment does not include any account numbers generated from XXXXXX/XXX. <br> 11/4/2024: Remains. The credit bureau sent shows that the XXXXXXX accounts are deferred, it does not show that the XXXXXXX/XXX are deferred and the addition of these accounts push the DTI over acceptable DTI. <br> 11/5/2024: Cleared. Received validation that the payments for the student loan monthly obligations are less than original amount used. The credit bureau shows monthly payments. | Validated | Credit report provided on page 44 and student loan verification on page 9 of the trailing file to document student loan payments. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626911 | Credit | Credit | Resolved | Resolved | HNDUXM3RIDX-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl R) | The loan does not meet the ability to repay due to a DTI in excess of requirements. The DTI at audit was found to be 73% vs 60% maximum per program guidelines. This was due to student loans that were not validated to be deferred. The loan file contain validation of 14 deferred student loans but there were an additional 13 loans that were qualified with a 1% payment per guidelines. This increased the final DTI outside of program guidelines. |  |  | 10/29/2024: Remains. Provided the same proof that was in the file for the 14 deferred student loans with DPEDNELNET that audit did not include in the DTI; however, there remains XX student loans with XXXXX/XXX that no documentation was provided; therefore, audit included 1% of the balance as the payment in the DTI. <br> 11/1/2024: Remains. The Account summary is for XXXXXX student loans only and does not include XXXXX/XXX student loans. These are two different student loan companies. Internal email is insufficient to confirm that they are all consolidated into the one loan. XXXXXXXXXX each account to the letter of deferment does not include any account numbers generated from XXXXXX/XXX. <br> 11/4/2024: Remains. The credit bureau sent shows that the XXXXXXX accounts are deferred, it does not show that the XXXXXXX/XXX are deferred and the addition of these accounts push the DTI over acceptable DTI. <br> 11/5/2024: Cleared. Received validation that the payments for the student loan monthly obligations are less than original amount used. The credit bureau shows monthly payments. | 10/29/2024: Remains. Provided the same proof that was in the file for the 14 deferred student loans with DPEDNELNET that audit did not include in the DTI; however, there remains XX student loans with XXXXX/XXX that no documentation was provided; therefore, audit included 1% of the balance as the payment in the DTI. <br> 11/1/2024: Remains. The Account summary is for XXXXXX student loans only and does not include XXXXX/XXX student loans. These are two different student loan companies. Internal email is insufficient to confirm that they are all consolidated into the one loan. XXXXXXXXXX each account to the letter of deferment does not include any account numbers generated from XXXXXX/XXX. <br> 11/4/2024: Remains. The credit bureau sent shows that the XXXXXXX accounts are deferred, it does not show that the XXXXXXX/XXX are deferred and the addition of these accounts push the DTI over acceptable DTI. <br> 11/5/2024: Cleared. Received validation that the payments for the student loan monthly obligations are less than original amount used. The credit bureau shows monthly payments. | Validated | Credit report provided on page 44 and student loan verification on page 9 of the trailing file to document student loan payments. |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20250626913 | Valuation | Property | Waived | Waived | BDAUCKYBT1Q-7QGY2J7Z | Completed "Subject To" w/o Compltn Cert in File | \* Completed "Subject To" w/o Compltn Cert in File (Lvl W) | The loan file is missing the completion report for the appraisal. | 70% LTV is below the Maximum 75% LTV by 5%.<br> DTI is 29.51% below Maximum DTI 60.00%<br> Representative Credit score of 800 exceeds the minimum credit score 620 by 180 points<br> Reserves exceeds the minimum 414 months over the required 10 |  |  |  | Not Reviewed | Finding waived |  |  |  |  |
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| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **XXXXXXX Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **Alt Loan ID** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626016 | Representative Score | 719 | 721 | -2 | -0.28% | As per the credit report page 401 representative score is 719. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626021 | Borrower DTI Ratio Percent | 57.056% | $XXXXXX.XX | -4410.944% | -4410.94% | DTI is 54.616% based on credit and income on file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626021 | Original Appraised Value | $XXXXXX.XX | $112000.00 | $-3000.00 | -2.68% | Appraised value is XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626021 | Original CLTV Ratio Percent | 97.179% | 95.000% | 2.179% | 2.18% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626021 | Original Standard LTV (OLTV) | 97.179% | 95.000% | 2.179% | 2.18% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626023 | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | The loan was a cash out refinance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626025 | Borrower DTI Ratio Percent | 48.260% | 4770.000% | -4721.740% | -4721.74% | No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626026 | Borrower DTI Ratio Percent | 43.117% | 4940.000% | -4896.883% | -4896.88% | DTI is 43% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626028 | Borrower First Name | XXXXXX | XXXXX |  |  | As per Note, First Name of Borrower is XXXXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626028 | Lender Doc Type | Full | Full Documentation |  |  | One and the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626028 | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | As per 1008, AUS and closing disclosure, loan is Cash-Out. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626029 | Borrower DTI Ratio Percent | 47.319% | 5600.000% | -5552.681% | -5552.68% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626029 | Stated Maturity Date | XX/XX/XXXX | XX/XX/XXXX | 10572 (Days) |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626030 | Original CLTV Ratio Percent | 73.333% | 73.300% | 0.033% | 0.03% | No issues. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626030 | Original Standard LTV (OLTV) | 73.333% | 73.300% | 0.033% | 0.03% | No issues. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626030 | Representative Score | 689 | 721 | -32 | -4.44% | Per the mot recent credit report dated XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626031 | Original Standard LTV (OLTV) | 43.772% | 43.770% | 0.002% | 0.00% | Based on the loan amount and appraised value, the LTV/CLTV is 43.772% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626033 | Original Standard LTV (OLTV) | 90.909% | 90.910% | -0.001% | -0.00% | Based on the loan amount and appraised value, the LTV/CLTV is 90.909% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626034 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626034 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626034 | Original Note Doc Date | XX/XX/XXXX | XX/XX/XXXX | -1 (Days) |  | As per Note, NOTE DATE IS XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626034 | Original Standard LTV (OLTV) | 48.884% | 49.000% | -0.116% | -0.12% | Based on the loan amount and appraised value, the LTV is 48.884%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626035 | Original Note Doc Date | XX/XX/XXXX | XX/XX/XXXX | -1 (Days) |  | As per Note,NOTE DATE IS XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626035 | Representative Score | 634 | 609 | 25 | 4.11% | The representative score is 634 per the credit report on file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626036 | ARM Index Margin Percent | Not Applicable | 0.000% |  |  | This is Fixed Loan. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626036 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | Property Address is XXX XXXXXXXXX XX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626036 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | This is Refinance loan. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626037 | Original CLTV Ratio Percent | 75.000% | 71.594% | 3.406% | 3.41% | Based on the loan amount and sales price, the LTV/CLTV is 75.000%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626037 | Property Postal Code | XXXXX | XXXXX |  |  | Note reflects a postal code of XXXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626038 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626038 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | As per 1008, the transaction was refinance. No further action needed. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626040 | Occupancy at Origination (Property Usage Type) | Secondary [2] | Primary [1] |  |  | As per 1003, property will be Second Home. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626040 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 0.30% | per appraisal | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626040 | Original Note Doc Date | XX/XX/XXXX | XX/XX/XXXX | 61 (Days) |  | Note date XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626040 | Representative Score | 650 | 642 | 8 | 1.25% | per CBR | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626041 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -4.60% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626041 | Original Note Doc Date | XX/XX/XXXX | XX/XX/XXXX | 54 (Days) |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626041 | Original Standard LTV (OLTV) | 76.192% | 76.190% | 0.002% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626041 | Representative Score | 736 | 672 | 64 | 9.52% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626042 | Original Note Doc Date | XX/XX/XXXX | XX/XX/XXXX | 28 (Days) |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626043 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626043 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626043 | Lifetime Downward Rate Change Cap | 2.625% | 3.500% | -0.875% | -0.88% | Lifetime downward rate change cap is 2.625%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626043 | Original Balance (or Line Amount) | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -7.78% | Note balance $XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626043 | Original Standard LTV (OLTV) | 70.000% | 75.910% | -5.910% | -5.91% | LTV 70%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626044 | Property City | XXXXXXXXX | XXXXXXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626044 | Representative Score | 662 | 661 | 1 | 0.15% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626046 | Original Standard LTV (OLTV) | 60.145% | 60.140% | 0.005% | 0.01% | Based on the loan amount and appraised value, the LTV/CLTV is 60.145% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626047 | Representative Score | 677 | 688 | -11 | -1.60% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626048 | Borrower DTI Ratio Percent | 63.251% | 9395.200% | -9331.949% | -9331.95% | DTI verified with income and credit information on file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626048 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -3.38% | Appraisal shows appraised value at XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626048 | Original Note Doc Date | XX/XX/XXXX | XX/XX/XXXX | 25 (Days) |  | As per Note, NOTE DATE IS XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626048 | Original Standard LTV (OLTV) | 94.444% | 94.440% | 0.004% | 0.00% | Based on the loan amount and appraised value, the LTV is 94.444%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626048 | Representative Score | 593 | 545 | 48 | 8.81% | Middle credit score per credit report for borrower 2 is 593 which is the qualifying score. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626049 | Borrower DTI Ratio Percent | 45.646% | 4564.000% | -4518.354% | -4518.35% | The DTI ratio is 45.646% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626049 | Representative Score | 722 | 733 | -11 | -1.50% | Per the Credit Report on file the borrowers representative score is 722. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626050 | Borrower DTI Ratio Percent | 47.740% | 4780.000% | -4732.260% | -4732.26% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626050 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | As per the Note document, the subject property address street is XXXX XXXXXXXXX XXXXXX. No further action needed. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626050 | Representative Score | 720 | 705 | 15 | 2.13% | credit report doesnt have 705 score | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626051 | Borrower DTI Ratio Percent | 46.649% | 5487.000% | -5440.351% | -5440.35% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626051 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -0.22% | appraisal states value is $XXXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626051 | Original Standard LTV (OLTV) | 67.888% | 67.890% | -0.002% | -0.00% | No issues. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626051 | Representative Score | 759 | 686 | 73 | 10.64% | credit report verified credit score | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626053 | Borrower DTI Ratio Percent | 32.393% | 3117.700% | -3085.307% | -3085.31% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626055 | Borrower #2 Last Name | XXXXXXXX | XXXXXXXX |  |  | One and the same | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626055 | Borrower DTI Ratio Percent | 36.917% | 3691.700% | -3654.783% | -3654.78% | Borrower ratio 36.917% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626055 | Original Balance (or Line Amount) | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 3.89% | As per Final 1003, Loan amount is XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626055 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | Property Address is XXX XXXXXXX XXXXXX XX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626056 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626057 | Borrower DTI Ratio Percent | 52.735% | 4448.000% | -4395.265% | -4395.27% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626057 | Original Standard LTV (OLTV) | 61.739% | 61.730% | 0.009% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626057 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626058 | Representative Score | 636 | 647 | -11 | -1.70% | The Credit Report dated XX/XX/XXXX reflects the middle credit score as 636. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626059 | Representative Score | 665 | 674 | -9 | -1.34% | The representative credit score is 665. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626060 | Lifetime Downward Rate Change Cap | 0.500% | 2.250% | -1.750% | -1.75% | As per Note Lifetime Downward Rate Change Cap is 0.50%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626061 | Original Standard LTV (OLTV) | 67.593% | 67.590% | 0.003% | 0.00% | Based on the loan amount and appraised value, the LTV/CLTV is 67.593%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626061 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | This is Refinance Loan. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626063 | Borrower DTI Ratio Percent | 43.957% | 4352.600% | -4308.643% | -4308.64% | No Issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626063 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 2.90% | As per Appraisal Report Original Appraised value is XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626064 | Borrower DTI Ratio Percent | 55.348% | 3955.000% | -3899.652% | -3899.65% | The tape appears to a typo | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626065 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626065 | Borrower DTI Ratio Percent | 39.201% | 5411.200% | -5371.999% | -5372.00% | Borrower DTI Ratio is 39.201%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626065 | Borrower Last Name | XXXXXXXX | XXXXXXXX |  |  | Note reflects last name as XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626066 | Representative Score | 755 | 793 | -38 | -4.79% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626067 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626068 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626069 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626070 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626071 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626077 | Borrower DTI Ratio Percent | 33.675% | 3876.900% | -3843.225% | -3843.22% | Appears to be a system glitch | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626080 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -17.60% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626081 | Borrower DTI Ratio Percent | 30.916% | 4178.900% | -4147.984% | -4147.98% | The back end total debt ratio is 30.916% based on the borrowers income and total monthly debt. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626081 | Original CLTV Ratio Percent | 95.739% | 95.740% | -0.001% | -0.00% | No issue - rounding variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626081 | Original Standard LTV (OLTV) | 95.739% | 95.740% | -0.001% | -0.00% | No issue - rounding variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626082 | Borrower DTI Ratio Percent | 46.294% | 4518.000% | -4471.706% | -4471.71% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626082 | MI Coverage Amount | Not Applicable | 16.000% |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626082 | Original Standard LTV (OLTV) | 95.000% | 93.500% | 1.500% | 1.50% | Based on the loan amount and appraised value, the LTV is 95%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626082 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | Property address is XXX X XX XX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626082 | Stated Maturity Date | 3/1/2049 | 6/12/2020 | 10489 (Days) |  | As per Note, Maturity Date is XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626083 | Borrower DTI Ratio Percent | 42.243% | 4224.600% | -4182.357% | -4182.36% | No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626084 | Borrower DTI Ratio Percent | 35.951% | 4159.000% | -4123.049% | -4123.05% | Ratio verified with income and credit report on file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626084 | Original Standard LTV (OLTV) | 96.881% | 97.000% | -0.119% | -0.12% | No issues. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626084 | Representative Score | 765 | 0 | 765 |  | Scores were verified with credit report on file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626085 | Borrower DTI Ratio Percent | 32.892% | 3552.000% | -3519.108% | -3519.11% | Slight discrepancy in income and debt calculations | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626085 | Representative Score | 715 | 0 | 715 |  | Score used for qualifying | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626086 | Borrower DTI Ratio Percent | 38.011% | 3843.000% | -3804.989% | -3804.99% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626086 | Representative Score | 741 | 0 | 741 |  | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626087 | Borrower DTI Ratio Percent | 22.434% | 2264.000% | -2241.566% | -2241.57% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626087 | Original Standard LTV (OLTV) | 96.990% | 97.000% | -0.010% | -0.01% | No issues. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626087 | Representative Score | 715 | 0 | 715 |  | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626088 | Borrower DTI Ratio Percent | 43.468% | 43.825% | -0.357% | -0.36% | Ratios improved slightly due to re-calculated income being slightly higher. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626089 | Borrower DTI Ratio Percent | 43.766% | 4956.500% | -4912.734% | -4912.73% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626089 | Original Standard LTV (OLTV) | 74.336% | 74.340% | -0.004% | -0.00% | Based on the loan amount and appraised value, the LTV is 74.336%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626090 | Borrower DTI Ratio Percent | 22.481% | 2000.000% | -1977.519% | -1977.52% | The DTI ratio is 22.48%; XXXX; The total monthly debt $XXXX.XX divided by the monthly income $XXXX.XX. XXXX; | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626090 | Property City | XXXXXXXXX | XXXXXXXX |  |  | As per Note, property city is XXXXXX Township. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626091 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -28.66% | The appraisal on page 254 reflects original appraised value as $XX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626092 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -8.75% | The appraisal on page 285 reflects original appraised value as $XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626093 | Borrower DTI Ratio Percent | 39.247% | 4175.600% | -4136.353% | -4136.35% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626094 | Borrower DTI Ratio Percent | 53.193% | 4300.000% | -4246.807% | -4246.81% | The DTI Ratio is 53.2%; The total monthly debt of $XXXX.XX and divided by the monthly income of $XXXX.XX. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626094 | MI Coverage Amount | Not Applicable | 16.000% |  |  | N/A | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626094 | Original CLTV Ratio Percent | 95.000% | 100.150% | -5.150% | -5.15% | The LTV ratio is 95% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626095 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -10.68% | Appraisal value is XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626095 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626096 | Borrower DTI Ratio Percent | 70.219% | 39.609% | 30.610% | 30.61% | The rental income was not properly calculated. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626096 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 2.94% | The appraisal in the file dated XX/XX/XXXX is priro to the loan application. The appraisal for the subject transaction is dated XX/XX/XXXX and appraised for $XXX,XXX.XX and was supported with a CDA. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626096 | Original Standard LTV (OLTV) | 89.529% | 9.530% | 79.999% | 80.00% | The subject LTV is 9.530% and the CLTV is 89.530% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626097 | Borrower DTI Ratio Percent | 36.050% | 37.830% | -1.780% | -1.78% | Net rental income included in DTI calculations. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626098 | Borrower DTI Ratio Percent | 45.481% | 27.354% | 18.127% | 18.13% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626099 | Borrower DTI Ratio Percent | 27.149% | 39.817% | -12.668% | -12.67% | Variance is due to I/O payment versus full PITI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626099 | Lifetime Downward Rate Change Cap | 1.125% | 2.250% | -1.125% | -1.13% | Lifetime downward rate change cap shows 2.25% on the Note | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626099 | Original Stated P&I | $4228.26 | $2073.38 | $2154.88 | 103.93% | The full P&I payment is $3,259.13. $2,073.38 is the interest only payment. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626100 | Borrower DTI Ratio Percent | 19.565% | 1931.000% | -1911.435% | -1911.43% | Ratio per income and credit documentation in loan file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626100 | Original CLTV Ratio Percent | 88.216% | 88.220% | -0.004% | -0.00% | Based on the loan amount and appraised value, the CLTV is 88.216%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626100 | Original Standard LTV (OLTV) | 88.216% | 88.220% | -0.004% | -0.00% | Based on the loan amount and appraised value, the LTV is 88.216%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626101 | Borrower DTI Ratio Percent | 56.869% | 4915.000% | -4858.131% | -4858.13% | Review calculated lower income, borrower is on temp disability - used the XXXX 12 mo average of income, expected to be back full time in XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626102 | Borrower DTI Ratio Percent | 16.096% | 16.670% | -0.574% | -0.57% | The audit confirms. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626103 | Borrower DTI Ratio Percent | 31.806% | 30.210% | 1.596% | 1.60% | The audit confirms. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626104 | B1 SSN | XXX-XX-XXXX | ###-##-#### |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626104 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626106 | Borrower DTI Ratio Percent | 28.665% | 29.264% | -0.599% | -0.60% | Less than 2% variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626106 | Number Of Units | 4 | 1 | 3 | 300.00% | According to the appraisal report, property type is 4-unit. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626106 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626108 | Borrower DTI Ratio Percent | 51.144% | 49.480% | 1.664% | 1.66% | Based on income documents provided. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626108 | Original CLTV Ratio Percent | 73.953% | 73.954% | -0.001% | -0.00% | Within variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626108 | Original Standard LTV (OLTV) | 73.953% | 73.954% | -0.001% | -0.00% | One and the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626110 | Borrower DTI Ratio Percent | 40.530% | 43.721% | -3.191% | -3.19% | Ratio per income and credit documentation in loan file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626111 | Borrower DTI Ratio Percent | 42.508% | 45.414% | -2.906% | -2.91% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626112 | B1 SSN | XXX-XX-XXXX | ###-##-#### |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626112 | Borrower DTI Ratio Percent | 58.737% | 45.461% | 13.276% | 13.28% | Review calculated income at $XX,XXX based on tax returns; lender income calculated at $XX,XXX.XX. Lender income worksheet shows $XX,XXX yearly in business mileage. This figure was not reflected on the tax returns and was not included, resulting in a 58.737% DTI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626112 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626113 | Borrower DTI Ratio Percent | 48.529% | 52.248% | -3.719% | -3.72% | DTI 48.529%, difference of -3.719%. Audit included rental income from departing residence. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626113 | Representative Score | 671 | 658 | 13 | 1.98% | Representative score is 671. Per lender guidelines use the highest applicable score from the group of borrowers is the representative (or qualifying) credit score. Tape data is showing lowest of the 2 middle scores. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626115 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626115 | Borrower DTI Ratio Percent | 48.116% | 48.120% | -0.004% | -0.00% | no issues | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626116 | Borrower DTI Ratio Percent | 38.044% | 38.040% | 0.004% | 0.00% | Borrower credit shows 0 balance on accounts . | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626116 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626117 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626117 | Borrower DTI Ratio Percent | 44.152% | 45.210% | -1.058% | -1.06% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626117 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626120 | Borrower DTI Ratio Percent | 37.645% | 49.130% | -11.485% | -11.48% | Per documentation in the file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626121 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626121 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626121 | Borrower DTI Ratio Percent | 47.991% | 48.285% | -0.294% | -0.29% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626123 | Borrower DTI Ratio Percent | 46.748% | 24.794% | 21.954% | 21.95% | File indicates the borrower's prior residence was sold, but no documentation in file to verify sale. Included $1,696 monthly PITI payment in calculation results in a 46.7% DTI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626125 | Borrower DTI Ratio Percent | 17.763% | 31.090% | -13.327% | -13.33% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626126 | Borrower DTI Ratio Percent | 49.601% | 44.973% | 4.628% | 4.63% | DTI based of income and debts provide. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626127 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626127 | Borrower DTI Ratio Percent | 42.456% | 42.460% | -0.004% | -0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626127 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626127 | Representative Score | 772 | 757 | 15 | 1.98% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626128 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626128 | Borrower DTI Ratio Percent | 44.353% | 41.025% | 3.328% | 3.33% | Income Used from WVOE on file, borrower has Tip income, used conservative value. Values indicate borrower income stable with increase. Values match w2 on file. Borrower has Schedule C income for 2017 and 2018 with average loss of $XXX.XX per month Property has lease on file and shows rent on Schedule E for 365 in 2018 but lease shows 4k per month as of X/XXXX. used lease at 75% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626128 | Lender Doc Type | Full | Full Documentation |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626128 | Occupancy at Origination (Property Usage Type) | Investor [3] | Primary [1] |  |  | The loan application reflects the property as Investment along with the Mortgage 1-4 family rider. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626129 | Borrower DTI Ratio Percent | 58.135% | 45.270% | 12.865% | 12.87% | Due to the recalculation of income | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626130 | Borrower DTI Ratio Percent | 51.040% | 39.426% | 11.614% | 11.61% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626130 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626131 | Borrower DTI Ratio Percent | 41.036% | 39.113% | 1.923% | 1.92% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626131 | Original CLTV Ratio Percent | 80.195% | 75.000% | 5.195% | 5.20% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626131 | Original Standard LTV (OLTV) | 80.195% | 75.000% | 5.195% | 5.20% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626131 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626132 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626133 | Property State | Missouri | Michigan |  |  | The State the property is located in is Missouri. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626135 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626136 | Borrower DTI Ratio Percent | 21.339% | 21.582% | -0.243% | -0.24% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626137 | Borrower DTI Ratio Percent | 23.372% | 27.724% | -4.352% | -4.35% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626138 | Borrower DTI Ratio Percent | 32.626% | 25.855% | 6.771% | 6.77% | Variance due to including consumer debts from supplemental credit summary in the amount of $109 monthly. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626139 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626139 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626139 | Borrower DTI Ratio Percent | 45.856% | 46.389% | -0.533% | -0.53% | As per DTI worksheet DTI ratio is 45.856%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626140 | Borrower DTI Ratio Percent | 45.925% | 35.881% | 10.044% | 10.04% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626141 | MI Coverage Amount | Not Applicable | 12.000% |  |  | There is no MI on the loan. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626141 | Original CLTV Ratio Percent | 80.882% | 79.826% | 1.056% | 1.06% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626141 | Original Standard LTV (OLTV) | 80.882% | 79.826% | 1.056% | 1.06% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626142 | Borrower DTI Ratio Percent | 32.540% | 32.884% | -0.344% | -0.34% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626143 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | Sales Price is not required as the loan Refinance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626144 | Borrower DTI Ratio Percent | 31.519% | 30.940% | 0.579% | 0.58% | Within 3% tolerance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626144 | Original CLTV Ratio Percent | 100.628% | 1.006% | 99.622% | 99.62% | Rounding issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626145 | Borrower DTI Ratio Percent | 34.371% | 34.400% | -0.029% | -0.03% | Within variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626146 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626146 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626146 | Borrower DTI Ratio Percent | 39.681% | 22.687% | 16.994% | 16.99% | Ratio is verified with income and credit report debts. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626147 | Borrower DTI Ratio Percent | 43.722% | 44.591% | -0.869% | -0.87% | Variance due to difference of income calculations per the schedule C. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626147 | Original CLTV Ratio Percent | 43.002% | 43.441% | -0.439% | -0.44% | Variance due to difference of income calculations per the schedule C. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626148 | Borrower DTI Ratio Percent | 28.948% | 27.819% | 1.129% | 1.13% | No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626149 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626149 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626149 | Borrower DTI Ratio Percent | 38.637% | 36.427% | 2.210% | 2.21% | Tape data DTI 35.22%. 1003 & 1008 DTI 36.42%. Audit recalculated borrower1 income $X,XXX.XX qualifying with YTD + 2 years W-2 Average income. Borrower shows a substantially increase in income from 2018 to XXXX. Audit recalculated borrower2 Income $XX,XXX.XX using the most recent VOI as of 4/10/2020. Qualifying with YTD + 2 Years Average. Audit total combined income $XX,XXX.XX. Audit DTI 38.63%. Supports with Pay stubs, W-2s and 1040 Tax Returns. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626151 | Borrower DTI Ratio Percent | 39.836% | 45.394% | -5.558% | -5.56% | debts verified | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626152 | Borrower DTI Ratio Percent | 49.782% | 47.738% | 2.044% | 2.04% | One in the same. Rounding issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626153 | Borrower DTI Ratio Percent | 49.231% | 49.650% | -0.419% | -0.42% | DTI - variance due to income. Income calculated off WVOE (PG. 150) . Auditor used base income of $XXXX.XX and bonus income of XXXX.XX. Origination income $XXXX.XX and bonus $XXXXX; for total income of $XXXXX.XX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626154 | Original CLTV Ratio Percent | 101.536% | 1.015% | 100.521% | 100.52% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626155 | Borrower DTI Ratio Percent | 39.566% | 41.910% | -2.344% | -2.34% | Within variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626155 | Original CLTV Ratio Percent | 70.935% | 70.940% | -0.005% | -0.01% | Based on the loan amount and appraised value, the CLTV is 70.935%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626155 | Original Standard LTV (OLTV) | 70.935% | 70.940% | -0.005% | -0.01% | Based on the loan amount and appraised value, the LTV is 70.935%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626156 | Borrower DTI Ratio Percent | 29.674% | 30.782% | -1.108% | -1.11% | Minor Variance due to difference in income calculations. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626157 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | 31 (Days) |  | The note on page 318 has a first payment date of XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626157 | Lien Priority Type | First [1] |  |  |  | The loan approval shows the subject loan is a first lien. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626157 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  | The 1003 shows the subject property is a primary residence. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626157 | Original Standard LTV (OLTV) | 96.500% |  |  |  | The $XXX,XXX note and the $XXX,XXX CD sales price support a 96.50% LTV. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626158 | Borrower DTI Ratio Percent | 42.123% | 42.150% | -0.027% | -0.03% | Per the income and debt documents | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626158 | Original CLTV Ratio Percent | 45.878% | 45.880% | -0.002% | -0.00% | Based on the loan amount and appraised value, the LTV/CLTV is 44.394% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626158 | Original Standard LTV (OLTV) | 44.394% | 44.390% | 0.004% | 0.00% | The $XXX,XXX note and the $XXX,XXX appraised value support a 44.394% LTV. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626159 | Borrower DTI Ratio Percent | 45.621% | 45.620% | 0.001% | 0.00% | Rounding | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626159 | Original Appraised Value | $XXXXXX.XX |  |  |  | The AUS shows a $XXX,XXX appraised value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626159 | Original CLTV Ratio Percent | 72.761% | 72.760% | 0.001% | 0.00% | Rounding | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626159 | Original Standard LTV (OLTV) | 72.761% | 72.760% | 0.001% | 0.00% | The $XXX,XXX note and the $XXX.XXX appraised value support a 72.761% LTV. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626161 | B2 SSN | XXX-XX-XXXX | - - |  |  | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626161 | Borrower #2 First Name | XXXXXXXX |  |  |  | As per the Note document, the borrower#2 First name is XXXXX. No further action needed. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626161 | Borrower #2 Last Name | XXXXXXXX |  |  |  | As per the Note document, the borrower#2 First name is XXXXX. No further action needed. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626161 | Borrower DTI Ratio Percent | 38.261% | 38.465% | -0.204% | -0.20% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626162 | Borrower DTI Ratio Percent | 44.400% | 44.407% | -0.007% | -0.01% | Within 3% tolerance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626163 | Original Appraised Value | $XXXXXX.XX |  |  |  | The AUS shows an appraisal waiver and a $XXX,XXX appraised value so nothing further is needed. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626164 | Borrower DTI Ratio Percent | 48.306% | 48.560% | -0.254% | -0.25% | Income- the review notes state the SSI income was grossed up to $X,XXX.XX, however, the award letter/tax returns were not provided to validate the monthly amount. SSI - Grossing up the net $X,XXX.XX - 1.25 = $X,XXX.XX Pg 286 pension award letter $X,XXX.XX. Income goes from $XXXX.XX to X,XXX.XX. Used the more conservative. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626164 | First Payment Date | XX/XX/XXXX |  |  |  | The note first pay date is 11/1/XXXX. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626164 | MI Coverage Amount | 30.000% |  |  |  | The MI certificate on page 571 shows 30% MI lender paid coverage. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626165 | Borrower DTI Ratio Percent | 29.695% | 29.071% | 0.624% | 0.62% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626166 | Borrower DTI Ratio Percent | 50.142% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626166 | Borrower Last Name | XXXXXXXX | XXXXXXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626166 | First Payment Date | XX/XX/XXXX |  |  |  | The note first pay date is XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626166 | Original CLTV Ratio Percent | 73.315% | 73.310% | 0.005% | 0.01% | Based on the loan amount and appraised value, the CLTV is 73.315%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626166 | Original Standard LTV (OLTV) | 73.315% | 73.310% | 0.005% | 0.01% | Based on the loan amount and appraised value, the OLTV is 73.315%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626166 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | The Note indicates the property address is XXXX XXXXX XXXXX XX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626167 | Borrower DTI Ratio Percent | 39.603% | 39.673% | -0.070% | -0.07% | Less than 10% variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626167 | First Payment Date | XX/XX/XXXX |  |  |  | Note first pay date is XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626167 | Original CLTV Ratio Percent | 70.936% | 70.930% | 0.006% | 0.01% | Per the appraisal. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626167 | Original Standard LTV (OLTV) | 70.936% | 70.930% | 0.006% | 0.01% | The $XXX,XXX note and the $XXX,XXXappraisal support a 70.936% LTV. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626168 | Borrower DTI Ratio Percent | 43.282% | 36.397% | 6.885% | 6.88% | The initial underwriter used the average of XXXX and XXXX stated earnings from the WVOE. The borrower is a realtor and files a Schedule C - the reviewer used the average of the XXXX 1040 Schedule C and the YTD P&L to determine income. The calculated income is lower therfore causing the DTI ratios to be higher but still within lender guidelines (50% max) | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626168 | First Payment Date | XX/XX/XXXX |  |  |  | The note first pay date is 1/1/2021. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626168 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626169 | Borrower DTI Ratio Percent | 41.357% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626169 | First Payment Date | XX/XX/XXXX |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626169 | Lien Priority Type | First [1] |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626169 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626169 | Original CLTV Ratio Percent | 96.500% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626169 | Original Standard LTV (OLTV) | 96.500% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626170 | B1 Citizenship Status | US Citizen |  |  |  | As per the Final 1003 document B1 Citizenship Status is US Citizen. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626170 | B1 SSN | XXX-XX-XXXX | - - |  |  | B1 SSN # is XXX-XX-XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626170 | B2 SSN | XXX-XX-XXXX | - - |  |  | B2 SSN # is XXX-XX-XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626170 | Borrower #2 First Name | XXXXXXXX |  |  |  | As per the Note document borrower 2 First name is Nicklas. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626170 | Borrower #2 Last Name | XXXXXXXX |  |  |  | As per the Note document borrower # 2 last name is XXXXXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626170 | Borrower DTI Ratio Percent | 56.852% | 49.291% | 7.561% | 7.56% | DTI is 56.852%, tape reflects 49.291%. Lender included additional income of $XXX.XX per month for the co-borrower, however additional income is not documented in the file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626171 | Borrower DTI Ratio Percent | 27.982% | 32.723% | -4.741% | -4.74% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626172 | Borrower DTI Ratio Percent | 31.351% | 43.469% | -12.118% | -12.12% | 31.351% - excluding debts being paid off on CD | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626172 | Original CLTV Ratio Percent | 84.906% | 78.261% | 6.645% | 6.64% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626172 | Original Standard LTV (OLTV) | 84.906% | 78.261% | 6.645% | 6.64% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626173 | Borrower DTI Ratio Percent | 47.662% | 48.211% | -0.549% | -0.55% | 27.942% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626173 | Original CLTV Ratio Percent | 55.484% | 67.145% | -11.661% | -11.66% | 55.484% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626174 | Borrower DTI Ratio Percent | 34.306% | 32.023% | 2.283% | 2.28% | The calculated DTI ratio is 33.97%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626174 | Original CLTV Ratio Percent | 79.309% | 74.688% | 4.621% | 4.62% | The CLTV ratio is 79.309% based on a value of $XXX,XXX, a first mortgage of XXX,XXX and a second mortgage balance of $XXX,XXX.XX. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626175 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626176 | Borrower DTI Ratio Percent | 32.326% | 34.056% | -1.730% | -1.73% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626176 | Lifetime Downward Rate Change Cap | 1.375% | 5.000% | -3.625% | -3.63% | Per the Note the lifetime minimum rate is 5%, which is 1.375% less than the start rate. No issue; formatting variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626176 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626177 | Borrower DTI Ratio Percent | 38.485% | 44.209% | -5.724% | -5.72% | Ratios are verified with credit report and income documentation on file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626177 | Sales Price (HUD-1 Line 101) | $208468.00 | $135000.00 | $73468.00 | 54.42% | The AUS sales price is $XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626178 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626179 | B1 SSN | XXX-XX-XXXX | ###-##-#### |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626179 | Borrower DTI Ratio Percent | 42.683% | 46.231% | -3.548% | -3.55% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626179 | QM Status 2 |  | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626179 | Representative Score | 700 | 704 | -4 | -0.57% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626180 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626180 | Borrower DTI Ratio Percent | 38.956% | 41.259% | -2.303% | -2.30% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626180 | MI Coverage Amount | 30.000% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626180 | Original Appraised Value | $XXXXXX.XX |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626181 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626181 | Borrower DTI Ratio Percent | 47.011% | 44.453% | 2.558% | 2.56% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626181 | Original CLTV Ratio Percent | 100.000% | 94.977% | 5.023% | 5.02% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626181 | Original Standard LTV (OLTV) | 100.000% | 94.977% | 5.023% | 5.02% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626181 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626181 | Sales Price (HUD-1 Line 101) | XXXXXXX.XX | XXXXXXX.XX | $1350.00 | 0.80% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626182 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626182 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626182 | Lender Doc Type | Full Documentaion | Full Documentation |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626183 | B2 SSN | XXX-XX-XXXX | - - |  |  | Data not provided in Andor - No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626183 | Borrower #2 First Name | XXXXXXXX |  |  |  | Data not provided in Andor - No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626183 | Borrower #2 Last Name | XXXXXXXX |  |  |  | Data not provided in Andor - No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626183 | Borrower DTI Ratio Percent | 43.079% | 43.892% | -0.813% | -0.81% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626183 | Representative Score | 676 |  |  |  | Data not provided in Andor - No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626186 | Borrower DTI Ratio Percent | 48.763% | 48.456% | 0.307% | 0.31% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626187 | Borrower DTI Ratio Percent | 30.348% | 36.025% | -5.677% | -5.68% | Ratio verified with income and debt from credit report on file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626188 | Borrower DTI Ratio Percent | 34.332% | 33.715% | 0.617% | 0.62% | The origination underwriter calculated the borrowers income as $XXXX.XX including overtime; however, the borrower has not been earning overtime for two years. The Audit income used was base pay/hourly wages only for the borrower of $X,XXX.XX. The origination underwriter calculated the co-borrowers income as $X,XXX.XX; however, the co-borrowers base income from the hourly rate is $X,XXX.XX. Therefore, the audit DTI is 34.332%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626189 | Borrower DTI Ratio Percent | 43.695% | 44.097% | -0.402% | -0.40% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626189 | Original CLTV Ratio Percent | 81.159% | 80.000% | 1.159% | 1.16% | As per the Appraisal page 97 Appraised value is $XXX,XXX, hence CLTV increase to 81.159%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626189 | Original Standard LTV (OLTV) | 81.159% | 80.000% | 1.159% | 1.16% | As per the Appraisal page 97 Appraised value is $XXX,XXX, hence CLTV increase to 81.159%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626189 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626190 | Borrower DTI Ratio Percent | 35.582% | 46.619% | -11.037% | -11.04% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626190 | Representative Score | 774 | 735 | 39 | 5.31% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626191 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626191 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | Cash out refinance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626192 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626192 | Borrower DTI Ratio Percent | 49.891% | 48.593% | 1.298% | 1.30% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626192 | Occupancy at Origination (Property Usage Type) | Investor [3] | Primary [1] |  |  | The 1003 and 1008 show the property as investor. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626193 | Original CLTV Ratio Percent | 60.870% | 60.860% | 0.010% | 0.01% | Based on the loan amount and appraised value, the LTV/CLTV is 60.870%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626193 | Original Standard LTV (OLTV) | 60.870% | 60.860% | 0.010% | 0.01% | Based on the loan amount and appraised value, the LTV/CLTV is 60.870%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626193 | Property Postal Code | XXXXX | XXXXX |  |  | The appraisal zip code is XXXXX. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626195 | Borrower DTI Ratio Percent | 39.438% | 33.494% | 5.944% | 5.94% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626196 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The CD shows a cash-out refinance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626197 | Borrower DTI Ratio Percent | 29.462% | 29.700% | -0.238% | -0.24% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626198 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626198 | Borrower DTI Ratio Percent | 42.049% | 45.649% | -3.600% | -3.60% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626200 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626200 | Borrower DTI Ratio Percent | 32.495% | 39.378% | -6.883% | -6.88% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626200 | Lender Doc Type | Full Documetation | Full Documentation |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626200 | Original CLTV Ratio Percent | 69.321% | 69.320% | 0.001% | 0.00% | The $XXX,XXX base loan amount and the $XXX,XXX appraisal support a 69.321% CLTV. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626200 | Original Standard LTV (OLTV) | 69.321% | 69.320% | 0.001% | 0.00% | The $XXX,XXX base loan amount and the $XXX,XXX appraisal support a 69.321% CLTV. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626201 | Borrower DTI Ratio Percent | 42.623% | 42.846% | -0.223% | -0.22% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626202 | Borrower DTI Ratio Percent | 41.179% | 41.035% | 0.144% | 0.14% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626202 | Number Of Units | Not Applicable | 1 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626205 | Borrower DTI Ratio Percent | 46.976% | 49.282% | -2.306% | -2.31% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626205 | Occupancy at Origination (Property Usage Type) | Investor [3] | Primary [1] |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626206 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626206 | Borrower DTI Ratio Percent | 48.285% | 49.000% | -0.715% | -0.71% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626207 | Borrower DTI Ratio Percent | 54.746% | 45.403% | 9.343% | 9.34% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626207 | MI Coverage Amount | Not Applicable | 8842.480% |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626207 | Original CLTV Ratio Percent | 98.189% | 96.500% | 1.689% | 1.69% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626207 | Original Standard LTV (OLTV) | 98.189% | 96.500% | 1.689% | 1.69% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626209 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626209 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626209 | Borrower DTI Ratio Percent | 46.820% | 43.627% | 3.193% | 3.19% | Based on income and debts. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626209 | Representative Score | 666 | 664 | 2 | 0.30% | Middle score is 666 | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626210 | Borrower DTI Ratio Percent | 32.910% | 39.783% | -6.873% | -6.87% | Within variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626211 | Borrower DTI Ratio Percent | 41.166% | 40.389% | 0.777% | 0.78% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626211 | Borrower First Name | XXXXXXXX | XXXXXXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626211 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626212 | Borrower DTI Ratio Percent | 33.485% | 32.855% | 0.630% | 0.63% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626213 | Borrower DTI Ratio Percent | 52.246% | 50.351% | 1.895% | 1.90% | Miscalculation of borrower income and debts at origination. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626214 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | The property address is XX-XX XXXXXXX XX XX , PS 99 & 101, based on the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626215 | Borrower DTI Ratio Percent | 12.065% | 12.060% | 0.005% | 0.01% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626215 | Original CLTV Ratio Percent | 78.318% | 79.000% | -0.682% | -0.68% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626215 | Original Standard LTV (OLTV) | 78.318% | 79.000% | -0.682% | -0.68% | Based on the appraised value and loan amount, the LTV is 78.318%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626216 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626217 | Borrower DTI Ratio Percent | 32.336% | 33.304% | -0.968% | -0.97% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626219 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626219 | Borrower DTI Ratio Percent | 18.295% | 20.282% | -1.987% | -1.99% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626219 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626221 | Borrower DTI Ratio Percent | 36.666% | 36.682% | -0.016% | -0.02% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626222 | Borrower DTI Ratio Percent | 24.906% | 34.489% | -9.583% | -9.58% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626223 | Borrower DTI Ratio Percent | 35.927% | 37.803% | -1.876% | -1.88% | Verified on the docs in the file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626223 | Lender Doc Type | Full | Full Documentation |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626225 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626225 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626227 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -0.85% | Original Appraised value $XXX,XXX per Appraisal. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626228 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -2.52% | Per the appraisal in file | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626228 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | Per the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626229 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -5.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626229 | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626230 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -49.09% | As per Appraisal, Appraised Value is $XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626230 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626231 | Borrower DTI Ratio Percent | 42.629% | 42.080% | 0.549% | 0.55% | The total debts on the file total $3,326.75 divided by the income of $7,804. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626231 | Lender Doc Type | Full Document | Full Documentation |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626232 | Borrower DTI Ratio Percent | 43.669% | 43.670% | -0.001% | -0.00% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626233 | Borrower DTI Ratio Percent | 35.044% | 35.630% | -0.586% | -0.59% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626233 | Number Of Units | 2 | 1 | 1 | 100.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626233 | QM Status 2 |  | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626234 | Borrower DTI Ratio Percent | 38.901% | 42.010% | -3.109% | -3.11% | Debts verified with credit report on file. Income verified with tax returns on file, borrower has self employment 1 year tax return reviewed, documentation meets guideline requirements. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626235 | Borrower DTI Ratio Percent | 41.580% | 39.500% | 2.080% | 2.08% | Within 3% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626236 | Lien Priority Type | First [1] |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626236 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626236 | Original Appraised Value | $XXXXXX.XX |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626236 | Original CLTV Ratio Percent | 95.396% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626236 | Original Standard LTV (OLTV) | 95.396% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626237 | Borrower DTI Ratio Percent | 51.061% | 47.416% | 3.645% | 3.65% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626238 | Borrower DTI Ratio Percent | 33.733% | 36.495% | -2.762% | -2.76% | Per income and debts provided. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626238 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626239 | Borrower DTI Ratio Percent | 41.642% | 43.529% | -1.887% | -1.89% | The DTI ratio is lower due to the higher OT wage used to qualify for the borrower as supported by the VOI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626239 | Lifetime Downward Rate Change Cap | 0.125% | 3.000% | -2.875% | -2.88% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626240 | Borrower DTI Ratio Percent | 32.774% | 31.465% | 1.309% | 1.31% | income based on WVOE and 1 month paystub. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626241 | Borrower DTI Ratio Percent | 43.677% | 47.202% | -3.525% | -3.52% | Income used was from XXXX tax returns, 1 yr average used, profit and loss shows significantly higher income, personal tax transcripts from XXXX shows higher, used lowest value as conservative value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626242 | Borrower DTI Ratio Percent | 39.058% | 39.060% | -0.002% | -0.00% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626243 | Borrower DTI Ratio Percent | 34.416% | 39.902% | -5.486% | -5.49% | Per income and debt documents. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626244 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  | Final 1003 shows SSN ending in XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626244 | Borrower DTI Ratio Percent | 40.204% | 40.910% | -0.706% | -0.71% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626244 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626245 | Borrower DTI Ratio Percent | 45.662% | 45.660% | 0.002% | 0.00% | Rounding variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626245 | Lender Doc Type | Full Doc | Full Documentation |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626246 | Borrower DTI Ratio Percent | 32.784% | 32.800% | -0.016% | -0.02% | one in the same. 32.8% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626247 | Borrower DTI Ratio Percent | 15.905% | 14.260% | 1.645% | 1.65% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626248 | Borrower DTI Ratio Percent | 42.463% | 40.810% | 1.653% | 1.65% | Per the credit supplement on page 315 dated XX/XX/XXXX, the porsche lease was supposed to reflect a $0.00 balance within 3-4 business days. However, the termination of the lease showed still pending on the credit report dated XX/XX/XXXX. The $1297 payment was included in the ratios increasing the DTI to 42.50%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626248 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626249 | Borrower DTI Ratio Percent | 37.852% | 35.520% | 2.332% | 2.33% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626249 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626250 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The CD shows a cash-out refinance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626252 | Borrower DTI Ratio Percent | 48.493% | 48.496% | -0.003% | -0.00% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626253 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626254 | Borrower DTI Ratio Percent | 19.350% | 19.355% | -0.005% | -0.01% | Per income documents provided. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626255 | Borrower DTI Ratio Percent | 41.560% | 41.149% | 0.411% | 0.41% | No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626256 | Borrower DTI Ratio Percent | 24.088% | 23.952% | 0.136% | 0.14% | One in the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626257 | Borrower DTI Ratio Percent | 55.613% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626257 | Lien Priority Type | First [1] |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626257 | MI Coverage Amount | Unavailable |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626257 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626257 | Original CLTV Ratio Percent | 99.460% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626257 | Original Standard LTV (OLTV) | 99.460% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626257 | Representative Score | 817 | 674 | 143 | 21.22% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626258 | Borrower DTI Ratio Percent | 27.180% | 27.093% | 0.087% | 0.09% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626259 | Borrower DTI Ratio Percent | 47.779% | 40.320% | 7.459% | 7.46% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626260 | Borrower DTI Ratio Percent | 42.678% | 47.800% | -5.122% | -5.12% | Verified | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626261 | Borrower DTI Ratio Percent | 12.303% | 14.580% | -2.277% | -2.28% | No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626262 | Borrower DTI Ratio Percent | 49.117% | 48.199% | 0.918% | 0.92% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626263 | B1 SSN | XXX-XX-XXXX | ###-##-#### |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626263 | Borrower DTI Ratio Percent | 54.127% | 49.659% | 4.468% | 4.47% | Originator miscalculated rental incomes by including positive rental income for XXXX XXXXX $530.00, XXXXXXXXX XX XXXX.XX and Negative income Departing residence @XXXXXXX XXXXXX (-$393) total rental income $1,214.00 and not including monthly payment of $12.00 with XXXXX. Originator miscalculated borrower income by not including additional Sch C income of $1,458.42. Originator total combined income $10,060.00. Audit recalculated rental income using the Sch E and lease agreement for departing residence total rental income (-$570.33) and Additional Sch C income $1,458.42 and including $12.00 monthly payment from XXXXX. Audit total income $10,305.37. Audit total Monthly debt $5,578.01 DTI 54.10%. XXXX Guideline Max DTI 55%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626263 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626264 | Borrower DTI Ratio Percent | 25.160% | 23.402% | 1.758% | 1.76% | DTI 23.40%. Originator miscalculated income using $12,853.66, not including monthly Child support payment $265.00 and not including the borrower primary resident escrow payment $345.00. Audit recalculated income qualifying with base pay $13,333.33. Income is supported with VOI and Paystubs. Audit including the child support payment and the escrow monthly payment for primary resident. DTI 25.16%. No issues. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626264 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626265 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  | Correct value entered from 1003 (pg 284 & 291) | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626265 | Borrower DTI Ratio Percent | 42.874% | 43.506% | -0.632% | -0.63% | Meets investor guide. Max DTI 50% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626265 | Representative Score | 703 | 713 | -10 | -1.40% | Correct value entered based on credit report (pg 228) | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626266 | Borrower DTI Ratio Percent | 32.544% | 35.547% | -3.003% | -3.00% | Verified. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626267 | Borrower DTI Ratio Percent | 32.007% | 34.548% | -2.541% | -2.54% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626268 | Borrower DTI Ratio Percent | 33.193% | 35.194% | -2.001% | -2.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626269 | Borrower DTI Ratio Percent | 40.344% | 41.770% | -1.426% | -1.43% | Within tolerance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626269 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626270 | Borrower DTI Ratio Percent | 29.597% | 29.997% | -0.400% | -0.40% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626270 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | Sales price is n/a. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626271 | Borrower DTI Ratio Percent | 46.725% | 47.411% | -0.686% | -0.69% | No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626271 | Original CLTV Ratio Percent | 88.303% | 88.300% | 0.003% | 0.00% | The $XXX,XXX note and the $XXX,XXX appraisal support a 88.303% LTV. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626271 | Original Standard LTV (OLTV) | 88.303% | 88.300% | 0.003% | 0.00% | The $XXX,XXX note and the $XXX,XXX appraisal support a 88.303% LTV. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626271 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The CD shows a refinance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626272 | Borrower DTI Ratio Percent | 47.037% | 32.931% | 14.106% | 14.11% | No Issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626272 | Original CLTV Ratio Percent | 80.589% | 80.580% | 0.009% | 0.01% | No Issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626272 | Original Standard LTV (OLTV) | 80.589% | 80.580% | 0.009% | 0.01% | No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626273 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  | Appears Originator used an incorrect SS#XXX-XX-XXXXX for borrower. Correction to borrower SS#XXX-XX-XXXX based on Tax returns and W-2. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626274 | Borrower DTI Ratio Percent | 38.815% | 48.900% | -10.085% | -10.09% | DTI 48.90%. Originator miscalculated monthly debt by including $1,159/mo for departing residence which was refinance (Pg. 204/462) XX/XX/XXXX CD Property @ XXXXXXXXXXXX XXX and Quitclaim Deed to XXXX XXXXX (spouse). Audit recaluclated DTI 38.815%. No issues. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626274 | Original CLTV Ratio Percent | 58.924% | 58.920% | 0.004% | 0.00% | LTV/CLTV Rounding issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626274 | Original Standard LTV (OLTV) | 58.924% | 58.920% | 0.004% | 0.00% | The $XXX,XXX note and the $XXX,XXX CD sales price support a 58.924% LTV. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626275 | Borrower DTI Ratio Percent | 32.565% | 32.677% | -0.112% | -0.11% | The DTI differs due to the rental income of second investment property and the HOI for subject used to qualifiy. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626275 | Original CLTV Ratio Percent | 80.760% | 73.913% | 6.847% | 6.85% | The appraised value in file is $XXX,XXX (80.76% LTV) | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626275 | Original Standard LTV (OLTV) | 80.760% | 73.913% | 6.847% | 6.85% | Based on the loan amount and appraised value, the LTV/CLTV is 80.760%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626275 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626276 | Borrower DTI Ratio Percent | 37.066% | 37.351% | -0.285% | -0.28% | As per calculation DTI Ratio is 37.066%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626277 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626277 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626277 | Borrower DTI Ratio Percent | 41.757% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626277 | Lien Priority Type | First [1] |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626277 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626277 | Original CLTV Ratio Percent | 37.500% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626277 | Original Standard LTV (OLTV) | 37.500% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626278 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626279 | Borrower DTI Ratio Percent | 28.106% | 28.249% | -0.143% | -0.14% | Acceptable. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626280 | Borrower DTI Ratio Percent | 41.158% | 41.123% | 0.035% | 0.04% | Acceptable. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626281 | Borrower DTI Ratio Percent | 20.662% | 20.677% | -0.015% | -0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626281 | Original Appraised Value | $XXXXXX.XX |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626281 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626283 | Borrower DTI Ratio Percent | 39.087% | 41.153% | -2.066% | -2.07% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626283 | Original Appraised Value | $XXXXXX.XX |  |  |  | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626285 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626285 | Borrower DTI Ratio Percent | 49.670% | 49.700% | -0.030% | -0.03% | Acceptable. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626285 | Original CLTV Ratio Percent | 69.896% | 70.000% | -0.104% | -0.10% | Based on the loan amount and appraised value CLTV ratio is 69.896% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626285 | Original Standard LTV (OLTV) | 69.896% | 70.000% | -0.104% | -0.10% | The $XXX,XXX note and the $XXX,XXX appraisal support a 69.896% LTV. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626285 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The CD shows a cash-out refinance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626286 | Borrower DTI Ratio Percent | 37.538% | 37.500% | 0.038% | 0.04% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626286 | Borrower Last Name | XXXXXXXX | XXXXXXXX |  |  | As per the Note document, the borrowers Last Name is XXXXXX. No further action needed. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626286 | Original CLTV Ratio Percent | 64.500% | 65.000% | -0.500% | -0.50% | The $XXX,XXX note and $XXX,XXX appraised value support a 64.500% CLTV. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626286 | Original Standard LTV (OLTV) | 64.500% | 65.000% | -0.500% | -0.50% | The $XXX,XXX note and $XXX,XXX appraised value support a 64.500% CLTV. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626286 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The CD shows a refinance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626288 | Borrower DTI Ratio Percent | 18.702% | 42.060% | -23.358% | -23.36% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626289 | Borrower DTI Ratio Percent | 42.007% | 40.350% | 1.657% | 1.66% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626289 | Occupancy at Origination (Property Usage Type) | Investor [3] | Primary [1] |  |  | The 1003 and 1008 show investment property. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626289 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626290 | Borrower DTI Ratio Percent | 22.621% | 23.237% | -0.616% | -0.62% | Slight discreptancy in the income calculation. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626291 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626291 | Borrower DTI Ratio Percent | 40.550% | 43.003% | -2.453% | -2.45% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626292 | Borrower DTI Ratio Percent | 32.513% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626292 | Lien Priority Type | First [1] |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626292 | MI Coverage Amount | 25.000% |  |  |  | There is no MI coverage amount. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626292 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626292 | Original CLTV Ratio Percent | 95.000% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626292 | Original Standard LTV (OLTV) | 95.000% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626292 | Representative Score | 699 | 748 | -49 | -6.55% | 699 is lower of borrower's mid scores. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626294 | Borrower DTI Ratio Percent | 34.628% | 33.259% | 1.369% | 1.37% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626295 | Borrower DTI Ratio Percent | 48.826% | 48.825% | 0.001% | 0.00% | The MI was removed from housing debt therefore lowering DTI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626297 | Borrower DTI Ratio Percent | 34.841% | 37.465% | -2.624% | -2.62% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626297 | Original CLTV Ratio Percent | 69.313% | 69.310% | 0.003% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626297 | Original Standard LTV (OLTV) | 69.313% | 69.310% | 0.003% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626298 | Borrower DTI Ratio Percent | 37.451% | 36.594% | 0.857% | 0.86% | Rounding factor. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626298 | Borrower Last Name | XXXXXXXX | XXXXXXXX |  |  | The borrowers last name is spelled XXXXXXX. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626298 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626299 | Borrower DTI Ratio Percent | 22.110% | 23.358% | -1.248% | -1.25% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626300 | Borrower DTI Ratio Percent | 54.842% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626300 | Lien Priority Type | First [1] |  |  |  | Lien Priority Type is First. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626300 | MI Coverage Amount | 25.000% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626300 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  | Occupancy at origination is primary, based on the application. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626300 | Original CLTV Ratio Percent | 93.883% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626300 | Original Standard LTV (OLTV) | 93.883% |  |  |  | Based on the loan amount without MI and sales price, the LTV is 93.883%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626301 | Borrower DTI Ratio Percent | 31.521% | 38.353% | -6.832% | -6.83% | Lender did not use overtime and bonus. The borrower was eligible to use this income. Audit added this income to qualify giving a lower DTI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626301 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626301 | Representative Score | 791 | 782 | 9 | 1.15% | Audit verified borrower's Credit Score with Credit Report dated XX/XX/XXXX pg. 37. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626302 | Borrower DTI Ratio Percent | 29.537% | 27.748% | 1.789% | 1.79% | Variance within tolerance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626302 | Borrower First Name | XXXXXXXX | XXXXXXXX |  |  | The borrower's first name per the application is XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626302 | Original Appraised Value | $XXXXXX.XX |  |  |  | Appraisal Value based on the 1008 shows XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626303 | Borrower DTI Ratio Percent | 49.878% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626303 | Lender Doc Type | Full documenation | Full Documentation |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626303 | Lien Priority Type | First [1] |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626303 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626303 | Original CLTV Ratio Percent | 79.227% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626303 | Original Standard LTV (OLTV) | 79.227% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626304 | Borrower DTI Ratio Percent | 28.782% | 30.085% | -1.303% | -1.30% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626306 | Borrower DTI Ratio Percent | 38.030% | 35.397% | 2.633% | 2.63% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626307 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626307 | Borrower DTI Ratio Percent | 45.773% | 45.238% | 0.535% | 0.54% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626308 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626308 | Borrower DTI Ratio Percent | 32.726% | 32.767% | -0.041% | -0.04% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626308 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626309 | Borrower DTI Ratio Percent | 39.568% | 39.294% | 0.274% | 0.27% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626309 | Lifetime Downward Rate Change Cap | 0.000% | 5.960% | -5.960% | -5.96% | Lifetime minimum rate is 5.96%, making the lifetime downward rate change 0.00%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626309 | Original CLTV Ratio Percent | 100.000% | 75.000% | 25.000% | 25.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626309 | Original Standard LTV (OLTV) | 100.000% | 75.000% | 25.000% | 25.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626309 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626310 | Borrower DTI Ratio Percent | 30.681% | 31.124% | -0.443% | -0.44% | NO issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626310 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626311 | Borrower DTI Ratio Percent | 36.522% | 36.605% | -0.083% | -0.08% | NO issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626313 | Borrower DTI Ratio Percent | 30.989% | 46.165% | -15.176% | -15.18% | Audit income is $XX,XXX.XX resulting in a housing ratio of 21.960% and DTI of 30.989% andresidual income of $18,424.81. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626313 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626314 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626314 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626314 | Borrower DTI Ratio Percent | 40.122% | 29.392% | 10.730% | 10.73% | Audit income for the borrower is $7,794.55 and for the co-borrower is $5,867.33 resulting in a housing ratio of $17.433% and DTI of 40.122% and residual income of $4,987.66. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626314 | Original Appraised Value | $XXXXXX.XX |  |  |  | The appraisal value is $138,000, based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626314 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | As per closing documents, the property address is XXXXX XXXXXX XXXXX XX XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626314 | Representative Score | 709 | 721 | -12 | -1.66% | Credit report dated XX/XX/XXXX and LP supports loan level credit score of 709. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626315 | Borrower DTI Ratio Percent | 0.049% | 32.742% | -32.693% | -32.69% | Based on income and debts provided. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626316 | Borrower DTI Ratio Percent | 49.950% | 44.503% | 5.447% | 5.45% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626317 | Borrower DTI Ratio Percent | 43.206% | 43.199% | 0.007% | 0.01% | Acceptable | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626318 | Borrower DTI Ratio Percent | 24.757% | 24.407% | 0.350% | 0.35% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626318 | Lifetime Downward Rate Change Cap | -2.250% | 5.000% | -7.250% | -7.25% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626319 | B2 SSN | XXX-XX-XXXX | - - |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626319 | Borrower #2 First Name | XXXXXXXX |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626319 | Borrower #2 Last Name | XXXXXXXX |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626319 | Borrower DTI Ratio Percent | 52.869% | 32.519% | 20.350% | 20.35% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626320 | Borrower DTI Ratio Percent | 8.855% | 12.193% | -3.338% | -3.34% | Based on income and debts provided. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626320 | Original Stated P&I | $1591.55 | $591.55 | $1000.00 | 169.05% | The P&I based on the Note is $1,591.55. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626321 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626321 | Borrower DTI Ratio Percent | 36.163% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626321 | Lien Priority Type | First [1] |  |  |  | Lien Priority Type is First. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626321 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  | Occupancy at origination is primary, based on the final application. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626321 | Original CLTV Ratio Percent | 96.500% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626321 | Original Standard LTV (OLTV) | 96.500% |  |  |  | Based on the loan amount without MI and the sales price, the LTV is 96.500%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626322 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626322 | Borrower DTI Ratio Percent | 54.172% |  |  |  | Per the income and credit docs | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626322 | Lender Doc Type | Full Do | Full Documentation |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626322 | Lien Priority Type | First [1] |  |  |  | Lien Priority Type is First. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626322 | MI Coverage Amount | Unavailable |  |  |  | One in the same | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626322 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  | Occupancy at origination is primary based on the application. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626322 | Original CLTV Ratio Percent | 88.818% |  |  |  | Per the appraised value | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626322 | Original Standard LTV (OLTV) | 88.818% |  |  |  | Based on the loan amount without MI and appraised value, the LTV is 88.818%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626323 | Borrower DTI Ratio Percent | 23.146% |  |  |  | No Issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626323 | Lien Priority Type | First [1] |  |  |  | Lien Priority Type is First. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626323 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  | The occupancy at origination based on the application is Primary. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626323 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original Appraised value is $XXX,XXX.XX, based on the appraisal. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626323 | Original CLTV Ratio Percent | 32.285% |  |  |  | No Issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626323 | Original Standard LTV (OLTV) | 32.285% |  |  |  | Based on the loan amount and appraised value, the LTV is 32.285%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626324 | Borrower DTI Ratio Percent | 44.949% | 44.950% | -0.001% | -0.00% | No Issue; rounding. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626324 | Original CLTV Ratio Percent | 78.273% | 79.000% | -0.727% | -0.73% | 78.273% based on loan amount and appraisal value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626324 | Original Standard LTV (OLTV) | 78.273% | 79.000% | -0.727% | -0.73% | Based on the loan amount and appraised value, the LTV is 78.273%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626325 | Borrower DTI Ratio Percent | 34.280% | 32.947% | 1.333% | 1.33% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626326 | Borrower DTI Ratio Percent | 35.290% | 40.309% | -5.019% | -5.02% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626326 | Borrower Last Name | XXXXXXXX | XXXXXXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626326 | MI Coverage Amount | 16.000% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626326 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626327 | Borrower DTI Ratio Percent | 40.097% | 39.520% | 0.577% | 0.58% | Per the credit and income docs. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626327 | Original Standard LTV (OLTV) | 62.273% | 67.273% | -5.000% | -5.00% | Based on the loan amount and appraised value, the LTV is 62.273%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626328 | Lender Doc Type | Full | Full Documentation |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626329 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626329 | Borrower DTI Ratio Percent | 47.003% | 53.133% | -6.130% | -6.13% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626329 | Original CLTV Ratio Percent | 47.306% | 47.300% | 0.006% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626329 | Original Standard LTV (OLTV) | 47.306% | 47.300% | 0.006% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626329 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626330 | Original CLTV Ratio Percent | 90.581% | 90.580% | 0.001% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626330 | Original Standard LTV (OLTV) | 71.523% | 71.520% | 0.003% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626331 | Borrower DTI Ratio Percent | 39.148% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626331 | Lien Priority Type | First [1] |  |  |  | Lien Priority Type is First. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626331 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  | Occupancy at Origination is primary, based on the final application. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626331 | Original CLTV Ratio Percent | 90.000% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626331 | Original Standard LTV (OLTV) | 90.000% |  |  |  | Based on the sales price and base loan amount, the LTV is 90.000%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626332 | Borrower DTI Ratio Percent | 33.557% | 31.964% | 1.593% | 1.59% | Within 3% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626332 | MI Coverage Amount | Not Applicable | 12.000% |  |  | Not required. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626333 | Borrower DTI Ratio Percent | 42.872% | 42.865% | 0.007% | 0.01% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626334 | Borrower DTI Ratio Percent | 37.041% | 42.393% | -5.352% | -5.35% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626334 | Original Appraised Value | $XXXXXX.XX |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626334 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626335 | Borrower DTI Ratio Percent | 37.113% | 37.024% | 0.089% | 0.09% | Within threshold. No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626335 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX.XX, based on the appraisal report. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626335 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." This is a Refinance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626336 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626336 | MI Coverage Amount | 30.000% |  |  |  | MI coverage amount is 30.000%, based on the MI Certificate. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626337 | Borrower DTI Ratio Percent | 16.618% | 15.910% | 0.708% | 0.71% | due to increases in Flood insurance policy DTI slightly change but within tolerance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626338 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626338 | Borrower DTI Ratio Percent | 34.703% | 34.700% | 0.003% | 0.00% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626339 | Borrower DTI Ratio Percent | 39.695% | 39.750% | -0.055% | -0.06% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626340 | Borrower DTI Ratio Percent | 16.641% | 16.300% | 0.341% | 0.34% | No Issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626340 | Lifetime Downward Rate Change Cap | 0.625% |  |  |  | Lifetime downward rate is 0.625%, based on the Min Rate of 2.75% on the Note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626340 | Rate Adjustment Subsequent Cap Percent | 2.000% |  |  |  | Rate Adjustment is 2.000%, based on the Note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626341 | Borrower DTI Ratio Percent | 21.043% | 21.040% | 0.003% | 0.00% | 0.003% variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626342 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626342 | Borrower DTI Ratio Percent | 54.809% | 49.840% | 4.969% | 4.97% | Per lender guidelines, used 5% of the balance for XXXX for monthly payment of $513.80 which increased the DTI. Guidelines allow up to 55%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626342 | Original CLTV Ratio Percent | 91.303% | 77.218% | 14.085% | 14.09% | The CLTV with the HELOC that was re-subordinated is 91.03% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626342 | Representative Score | 771 | 782 | -11 | -1.41% | The 782 credit score is from the credit report pulled post-close dated XX/XX/XXXX. The NOTE DATE IS XX/XX/XXXX and the credit report dated XX/XX/XXXX is valid and supports the 771 credit score. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626343 | Borrower DTI Ratio Percent | 40.737% | 39.150% | 1.587% | 1.59% | No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626343 | First Payment Date | XX/XX/XXXX |  |  |  | The note shows a XX/XX/XXXX first pay date. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626343 | Lender Doc Type | Full | Full Documentation |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626343 | Lifetime Downward Rate Change Cap | 0.625% | 2.500% | -1.875% | -1.88% | N/A. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626344 | Borrower DTI Ratio Percent | 40.013% | 40.875% | -0.862% | -0.86% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626345 | Borrower DTI Ratio Percent | 49.799% | 48.463% | 1.336% | 1.34% | DTI 49% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626345 | Representative Score | 728 | 732 | -4 | -0.55% | NO issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626345 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is n/a. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626346 | Borrower DTI Ratio Percent | 21.907% | 22.036% | -0.129% | -0.13% | Audit income is $13,481.63 resulting in a housing ratio of 19.622%, DTI of 21.907% and residual income of $10,528.20. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626347 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626347 | Borrower DTI Ratio Percent | 34.993% | 35.783% | -0.790% | -0.79% | one and same | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626347 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 3.25% | As per appraisal report Original appraised value is $XXX,XXX.XX, based on the appraisal report. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626347 | Original CLTV Ratio Percent | 67.416% | 67.426% | -0.010% | -0.01% | Based on the loan amount and appraised value, the CLTV is 67.416%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626347 | Original Standard LTV (OLTV) | 67.416% | 67.426% | -0.010% | -0.01% | Based on the loan amount and appraised value, the LTV is 67.416%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626349 | Original Appraised Value | $XXXXXX.XX |  |  |  | The AUS on page 528 shows an appraisal waiver for the subject property. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626350 | Borrower DTI Ratio Percent | 22.657% | 23.365% | -0.708% | -0.71% | No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626350 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626351 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626351 | Borrower DTI Ratio Percent | 43.238% | 43.235% | 0.003% | 0.00% | Rounding issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626351 | First Payment Date | XX/XX/XXXX |  |  |  | N/A. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626351 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626352 | Borrower DTI Ratio Percent | 26.436% | 26.567% | -0.131% | -0.13% | No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626353 | Original Appraised Value | $XXXXXX.XX |  |  |  | Amount used by Lender to calculate LTV is used as Original Appraised Value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626354 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626355 | Borrower DTI Ratio Percent | 48.042% | 47.036% | 1.006% | 1.01% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626355 | Original Appraised Value | $XXXXXX.XX |  |  |  | The AUS on page 312 waived the appraisal with a $XXX,XXX.XX value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626356 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626356 | Borrower DTI Ratio Percent | 36.454% | 33.592% | 2.862% | 2.86% | The originator only used the income from Indeed (second job) to qualify. Audit review used base wage from TaskRabbit to qualify which is lower resulting in a DTI of 36.4% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626358 | Borrower DTI Ratio Percent | 20.245% | 21.077% | -0.832% | -0.83% | Income verified from paystubs borrower is salaried employee paid bi-weekly. Decreased DTI due to higher income | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626359 | Borrower DTI Ratio Percent | 30.320% | 29.126% | 1.194% | 1.19% | Slight discrepancy in the PITI calculation | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626360 | Borrower DTI Ratio Percent | 39.705% | 38.784% | 0.921% | 0.92% | Income adjusted from rental and WVOE. Documentation shows that escrows are included in the property payment, 1003 included escrows separately increasing DTI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626360 | Original Appraised Value | $XXXXXX.XX |  |  |  | Value taken from Fannie Mae Desktop Evaluation. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626361 | Borrower DTI Ratio Percent | 21.742% | 21.998% | -0.256% | -0.26% | No Issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626361 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX.XX, based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626362 | Borrower DTI Ratio Percent | 25.384% | 23.014% | 2.370% | 2.37% | Below variance under 3% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626364 | Borrower DTI Ratio Percent | 35.206% | 35.071% | 0.135% | 0.14% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626364 | Original Appraised Value | $XXXXXX.XX |  |  |  | The AUS on page 357 waived the appraisal with a $XXX,XXX value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626365 | Original Appraised Value | $XXXXXX.XX |  |  |  | The AUS on page 393 waived the appraisal with a $XXX,XXX value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626366 | Borrower DTI Ratio Percent | 45.866% | 45.867% | -0.001% | -0.00% | Verified on the documentation in the file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626367 | Borrower DTI Ratio Percent | 18.246% | 18.247% | -0.001% | -0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626367 | Original Appraised Value | $XXXXXX.XX |  |  |  | The AUS on page 261 waived the appraisal with a $XXX,XXX value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626368 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626368 | Lender Doc Type | Full Documentaion | Full Documentation |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626368 | Original Appraised Value | $XXXXXX.XX |  |  |  | The AUS shows an appraisal waiver with a $XXX,XXX value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626370 | Borrower DTI Ratio Percent | 12.559% | 12.733% | -0.174% | -0.17% | The audit calculated the YTD to be $XX,XXX.XX. However, the lender calculated the YTD to be $12,307.92 from the Lender WS on page 406. Everything else was the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626370 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX, based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626371 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626371 | Borrower DTI Ratio Percent | 34.573% | 37.662% | -3.089% | -3.09% | The reviewer income was higher so the housing ratio is lower. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626371 | Original Appraised Value | $XXXXXX.XX |  |  |  | The AUS on page 391 waived the appraisal with a $XXX,XXX value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626372 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626372 | Borrower DTI Ratio Percent | 29.195% | 29.156% | 0.039% | 0.04% | Housing Ratio 29.16%. The originator calculate the borrower income base on YTD earnings $74,346.56/8.9 months. Audit recalculated income using YTD + 1 yr W-2 average to qualify. Audit calculated income $8,342.24/mo. Audit Ratio 30.38. Still within the GLS Max DTI allowed 55%. No issues. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626373 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626373 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626373 | Borrower DTI Ratio Percent | 29.678% | 29.685% | -0.007% | -0.01% | One and same | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626373 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX, based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626374 | Borrower DTI Ratio Percent | 23.513% | 23.585% | -0.072% | -0.07% | Rounding issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626374 | Original Appraised Value | $XXXXXX.XX |  |  |  | Appraised value. Stated value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626375 | Borrower DTI Ratio Percent | 37.212% | 37.214% | -0.002% | -0.00% | Minor Variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626376 | Borrower #2 Last Name | XXXXXXXX | XXXXXXXX |  |  | The co-borrower's last name is XXXXXXXXX based on the file documentation. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626376 | Borrower DTI Ratio Percent | 43.455% | 43.452% | 0.003% | 0.00% | The DTI Ratio is 43.455% based on the credit and income documentation in file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626376 | Property Postal Code | XXXXX | XXXXX |  |  | Postal zip code is XXXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626377 | Borrower DTI Ratio Percent | 27.534% | 27.753% | -0.219% | -0.22% | DTI 27.75%%. Audit recalculated borrower income based on 1120S and K-1 using lower of distribution income for XXXX/XXXX. Audit DTI 27.53%. No issues. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626378 | Borrower DTI Ratio Percent | 34.905% | 39.419% | -4.514% | -4.51% | The reviewer used base income reflected on WVOE, and two recent paystubs to qualify while the original underwriter averaged the income. The base is higher than the average so the ratios are lower. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626378 | Original Appraised Value | $XXXXXX.XX |  |  |  | As per 1008 and DU, the Appraised value is $XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626379 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626379 | Borrower DTI Ratio Percent | 42.874% | 42.779% | 0.095% | 0.10% | Variance within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626379 | Original Appraised Value | $XXXXXX.XX |  |  |  | DU approved with PIW; value used $XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626380 | Original CLTV Ratio Percent | 49.395% | 49.946% | -0.551% | -0.55% | Rounding. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626380 | Original Standard LTV (OLTV) | 49.395% | 49.946% | -0.551% | -0.55% | Based on the loan amount and appraised value, the LTV is 49.935%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626380 | Representative Score | 768 | 771 | -3 | -0.39% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626381 | Borrower DTI Ratio Percent | 47.286% | 39.799% | 7.487% | 7.49% | The final 1003 on page 212 indicated that both XXXXXX XXXX XXXXX would be paid but there was no evidence located in the file to omit them. This increase the DTI but the guide allows up to 50% so the loan still met the guideline. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626383 | Borrower DTI Ratio Percent | 25.312% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626383 | Lien Priority Type | First [1] |  |  |  | Lien Priority Type is First. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626383 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  | Occupancy at Origination is Primary, based on the application. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626383 | Original CLTV Ratio Percent | 80.000% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626383 | Original Standard LTV (OLTV) | 80.000% |  |  |  | Based on the loan amount and appraised value, the LTV is 80.000%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626384 | Original Appraised Value | $XXXXXX.XX |  |  |  | The original appraised value is $XXX,XXX.XX, based on the AUS> | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626385 | Borrower DTI Ratio Percent | 33.837% | 34.257% | -0.420% | -0.42% | No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626386 | Borrower DTI Ratio Percent | 23.896% | 25.944% | -2.048% | -2.05% | The consumer debt is $1,153.14. The total income is $17,099.18. The total debt is $4,085.95. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626387 | Borrower DTI Ratio Percent | 17.420% | 17.424% | -0.004% | -0.00% | Data Provided is accurate. Change has been made in ANDOR to equal Data Provided. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626387 | Original Appraised Value | $XXXXXX.XX |  |  |  | Stated value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626388 | Original Appraised Value | $XXXXXX.XX |  |  |  | Stated value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626389 | Original Appraised Value | $XXXXXX.XX |  |  |  | Appraisal value listed on 1008 shows $XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626390 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX, based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626391 | Borrower DTI Ratio Percent | 45.107% | 45.754% | -0.647% | -0.65% | The DTI slightly decreased due to the HOA payment of $16.67 and not $100. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626392 | Borrower DTI Ratio Percent | 49.698% | 49.767% | -0.069% | -0.07% | Minor Variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626392 | Original Balance (or Line Amount) | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 9921.04% | The Note reflects a loan amount of $XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626393 | Borrower DTI Ratio Percent | 20.809% | 23.009% | -2.200% | -2.20% | The origination underwriter calculated the income as $9797.30; however, the loan file verified the borrower receives a biweekly salary of $5000 with YTD earnings supporting that income. Therefore, the audit income is $10,833.33 and the DTI ratio was verified as 20.809%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626393 | Original Appraised Value | $XXXXXX.XX |  |  |  | The AUS on page 109 waived the appraisal with a $XXX,XXX value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626394 | Borrower DTI Ratio Percent | 24.590% | 24.599% | -0.009% | -0.01% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626394 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX, based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626395 | Borrower DTI Ratio Percent | 43.987% | 42.705% | 1.282% | 1.28% | As per calculation DTI ratio is 43.987%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626395 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626396 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626396 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626396 | Borrower DTI Ratio Percent | 36.845% | 36.426% | 0.419% | 0.42% | Adjustment includes XXXX 2% payment per guidelines, adjusted debt higher than file stated. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626396 | Original Appraised Value | $XXXXXX.XX |  |  |  | The AUS on page 926 waived the appraisal with a $XXX,XXX value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626397 | Borrower DTI Ratio Percent | 48.434% | 48.432% | 0.002% | 0.00% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626397 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626398 | Borrower DTI Ratio Percent | 44.002% | 44.491% | -0.489% | -0.49% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626399 | Borrower DTI Ratio Percent | 31.701% | 42.781% | -11.080% | -11.08% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626400 | Borrower DTI Ratio Percent | 47.970% | 48.203% | -0.233% | -0.23% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626400 | Sales Price (HUD-1 Line 101) | XXXXXXXX.XX | XXXXXXXX.XX | $44084.25 | 56.52% | includes repair costs | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626401 | Borrower DTI Ratio Percent | 40.855% | 41.453% | -0.598% | -0.60% | within variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626401 | Original CLTV Ratio Percent | 147.762% | 90.000% | 57.762% | 57.76% | Rounding issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626401 | Original Standard LTV (OLTV) | 147.762% | 90.000% | 57.762% | 57.76% | Based on the loan amount and sales price, the LTV is 147.762%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626402 | Borrower DTI Ratio Percent | 23.501% | 17.055% | 6.446% | 6.45% | The lender did not add the monthly MI of $63.79 from page 348. In addition, the lender used the hourly rate of $28 for income of $4,853.33. However, the most current paystub on page 12 YTD was less so the YTD average was used for audit income. This caused a shift in the DTI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626403 | Borrower DTI Ratio Percent | 22.373% | 22.375% | -0.002% | -0.00% | This is a rounding issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626404 | Borrower DTI Ratio Percent | 48.646% | 49.935% | -1.289% | -1.29% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626405 | Borrower DTI Ratio Percent | 52.266% | 47.682% | 4.584% | 4.58% | The lender did not include a $749 car payment in the ratios. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626405 | Number Of Units | Not Applicable | 1 |  |  | PIW - The appraisal field with this information is N/A | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626405 | Original Appraised Value | $XXXXXX.XX |  |  |  | Lender stated value | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626406 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626406 | Borrower DTI Ratio Percent | 42.546% | 47.409% | -4.863% | -4.86% | DTi based from income and debts including rental properties. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626407 | Borrower DTI Ratio Percent | 49.577% | 35.430% | 14.147% | 14.15% | Borrower DTI Ratio Percent 49.577% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626408 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626408 | Borrower DTI Ratio Percent | 47.032% | 48.326% | -1.294% | -1.29% | $47.032 - using slightly income from calculation | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626408 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626409 | Borrower DTI Ratio Percent | 37.124% | 35.943% | 1.181% | 1.18% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626409 | Lien Priority Type | First [1] | Other |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626409 | Original CLTV Ratio Percent | 100.880% | 1.009% | 99.871% | 99.87% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626410 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626410 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626410 | Borrower DTI Ratio Percent | 43.742% | 43.932% | -0.190% | -0.19% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626410 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626411 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX, based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626412 | Borrower DTI Ratio Percent | 10.486% | 19.283% | -8.797% | -8.80% | Audit found the DTI to be 10.5% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626413 | Original CLTV Ratio Percent | 51.333% | 51.330% | 0.003% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626414 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626414 | Borrower DTI Ratio Percent | 41.183% | 40.726% | 0.457% | 0.46% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626414 | Original Appraised Value | $XXXXXX.XX |  |  |  | per AUS | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626414 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is n/a. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626416 | Borrower DTI Ratio Percent | 45.088% | 44.839% | 0.249% | 0.25% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626417 | Borrower DTI Ratio Percent | 35.908% | 36.600% | -0.692% | -0.69% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626417 | Original Appraised Value | $XXXXXX.XX |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626418 | Borrower DTI Ratio Percent | 32.309% | 46.751% | -14.442% | -14.44% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626418 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX, based on 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626419 | Borrower DTI Ratio Percent | 43.792% | 43.791% | 0.001% | 0.00% | One and the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626419 | MI Coverage Amount | Not Applicable | 25.000% |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626420 | Borrower DTI Ratio Percent | 55.602% | 49.920% | 5.682% | 5.68% | income difference | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626421 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626421 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a," this is a refinance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626422 | Borrower DTI Ratio Percent | 17.359% | 17.367% | -0.008% | -0.01% | Acceptable. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626423 | Borrower DTI Ratio Percent | 23.918% | 23.656% | 0.262% | 0.26% | No issue - 0.262% variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626424 | Borrower DTI Ratio Percent | 38.306% | 38.297% | 0.009% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626424 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626426 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626426 | Borrower DTI Ratio Percent | 48.316% | 44.578% | 3.738% | 3.74% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626426 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626428 | Borrower DTI Ratio Percent | 67.107% | 46.710% | 20.397% | 20.40% | DTI with correct income is 74.855%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626428 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX, based on DU PIW. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626428 | Original CLTV Ratio Percent | 43.979% | 43.980% | -0.001% | -0.00% | Appears to be rounding difference. No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626428 | Original Standard LTV (OLTV) | 43.979% | 43.980% | -0.001% | -0.00% | Based on the loan amount and appraised value, the LTV is 43.979%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626428 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626429 | Borrower DTI Ratio Percent | 25.326% | 25.412% | -0.086% | -0.09% | Audit income is $4974.32 resulting in a housing ratio of 22.994%, DTI of 25.326% and residual income of $3,714.50 | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626429 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626430 | Borrower DTI Ratio Percent | 47.677% | 42.007% | 5.670% | 5.67% | DTI 42% is due to Originator miscalculated monthly debts. The Final 1003 reflects loan payment with XXX XXXX XXXXX XXXXX $499.00 and XX XXXXXXXXXX $XXX were omitted however, no documentations were provided evidencing loan been paid off. Originator included Employee loan from the pay stub balance of $10,000, $433 paid monthly. Audit recalculated debts including monthly payments $499.00 + 567.00 and reduced the employee loan payment amount to $100.00 based on current pay stub balance $1500.00 as of XX/XX/XXXX Audit DTI 47.68%. Lender Guidelines Maximum DTI allowed 50% on a cash-out refinance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626431 | Borrower DTI Ratio Percent | 44.093% | 47.254% | -3.161% | -3.16% | DTI 47.25%. Originator qualified using negative rental income (-$2,140),. Audit recalculate rental income using Sche E. Negative rent income(-$1,755.31). Audit DTI 44.09. Per Lender Guidelines 4.1.21.v. 1.6 Max DTI allowed 55% purchase transaction. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626431 | Lifetime Downward Rate Change Cap | 0.375% | 2.250% | -1.875% | -1.88% | Lifetime Downward Rate Change Cap is 2.25%, based on the Note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626431 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX.XX based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626432 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626432 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626432 | Borrower DTI Ratio Percent | 31.198% | 31.165% | 0.033% | 0.03% | The DTI ratio is 31.198%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626432 | Number Of Units | 2 | 1 | 1 | 100.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626432 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626433 | Borrower DTI Ratio Percent | 49.666% | 46.741% | 2.925% | 2.92% | DTI is within tolerance and meets XXXX guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626433 | Original CLTV Ratio Percent | 75.543% | 75.000% | 0.543% | 0.54% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626433 | Original Standard LTV (OLTV) | 75.543% | 75.000% | 0.543% | 0.54% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626434 | B1 Citizenship Status | US Citizen | Non-Resident Alien |  |  | B1 is a US Citizen per the 1003 and ID in file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626434 | Borrower DTI Ratio Percent | 56.275% | 47.519% | 8.756% | 8.76% | Ratio per income and asset documentation in loan file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626435 | Borrower DTI Ratio Percent | 22.861% | 19.331% | 3.530% | 3.53% | Review calculated slightly lower income | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626435 | Original CLTV Ratio Percent | 97.000% | 99.910% | -2.910% | -2.91% | Based on the loan amount and appraised value, the LTV/CLTV is 97.00% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626436 | Borrower DTI Ratio Percent | 41.565% | 39.420% | 2.145% | 2.15% | within variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626436 | Original CLTV Ratio Percent | 79.091% | 75.000% | 4.091% | 4.09% | Base on the appraised value and loan amount CLTV ratio is 79.091% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626436 | Original Standard LTV (OLTV) | 79.091% | 75.000% | 4.091% | 4.09% | Base on the appraised value and loan amount CLTV ratio is 79.091% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626437 | Borrower DTI Ratio Percent | 45.593% | 46.470% | -0.877% | -0.88% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626438 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626438 | Borrower DTI Ratio Percent | 47.318% | 42.712% | 4.606% | 4.61% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626438 | Borrower First Name | XXXXXXXX | XXXXXXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626438 | MI Coverage Amount | Not Applicable | 30.000% |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626439 | Borrower DTI Ratio Percent | 42.926% | 38.504% | 4.422% | 4.42% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626441 | Borrower DTI Ratio Percent | 27.802% | 27.859% | -0.057% | -0.06% | Minor variance. No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626442 | Borrower DTI Ratio Percent | 17.877% | 19.222% | -1.345% | -1.35% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626442 | Original Appraised Value | $XXXXXX.XX |  |  |  | As per 1008 & Final CD, the appraised value updated as $XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626442 | Original CLTV Ratio Percent | 70.000% | 60.000% | 10.000% | 10.00% | Unable to verify since an appraisal was not obtained | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626442 | Original Note Doc Date | XX/XX/XXXX | XX/XX/XXXX | 366 (Days) |  | The Note reflects XX/XX/XXXX as the Note date. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626442 | Original Standard LTV (OLTV) | 70.000% | 60.000% | 10.000% | 10.00% | Based on the loan amount and appraised value, the LTV is 70.000%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626442 | Representative Score | 784 | 798 | -14 | -1.75% | Per the credit report | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626442 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." This is a refinance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626444 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626444 | Borrower DTI Ratio Percent | 37.417% | 47.867% | -10.450% | -10.45% | 37.417% - due to higher income being used. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626444 | QM Status 2 | Non-QM/Compliant | Not Covered/Exempt |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626445 | Borrower DTI Ratio Percent | 13.895% | 19.589% | -5.694% | -5.69% | Ratios verified with pay stubs and credit report on file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626446 | Borrower DTI Ratio Percent | 36.047% | 38.554% | -2.507% | -2.51% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626446 | Original CLTV Ratio Percent | 77.586% | 75.000% | 2.586% | 2.59% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626446 | Original Standard LTV (OLTV) | 77.586% | 75.000% | 2.586% | 2.59% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626447 | Borrower DTI Ratio Percent | 33.197% | 34.054% | -0.857% | -0.86% | Ratio per income and credit documentation in loan file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626447 | Representative Score | 796 | 799 | -3 | -0.38% | Mid score is 796 per credit report in loan file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626447 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626448 | Borrower DTI Ratio Percent | 49.356% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626448 | Original Appraised Value | $XXXXXX.XX |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626448 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626450 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626450 | Borrower DTI Ratio Percent | 38.678% | 38.755% | -0.077% | -0.08% | Ratio verified with income and credit report on file | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626450 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX, based on the Lock Notification and the final CD. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626450 | Original CLTV Ratio Percent | 43.821% | 43.820% | 0.001% | 0.00% | Ratio is verified with DU and CD on file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626450 | Original Standard LTV (OLTV) | 43.821% | 43.820% | 0.001% | 0.00% | Based on the loan amount and appraised value, the LTV is 43.821%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626450 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626451 | Borrower DTI Ratio Percent | 34.578% | 34.088% | 0.490% | 0.49% | Within variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626451 | Original CLTV Ratio Percent | 78.947% | 78.940% | 0.007% | 0.01% | Within variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626451 | Original Standard LTV (OLTV) | 78.947% | 78.940% | 0.007% | 0.01% | Based on the loan amount and appraised value, the LTV is 78.947%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626451 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | One and the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626452 | Borrower DTI Ratio Percent | 30.160% | 33.166% | -3.006% | -3.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626452 | Original CLTV Ratio Percent | 65.333% | 65.330% | 0.003% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626452 | Original Standard LTV (OLTV) | 65.333% | 65.330% | 0.003% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626453 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626453 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626453 | Borrower DTI Ratio Percent | 37.662% | 35.709% | 1.953% | 1.95% | Verified on the docs in the file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626453 | Original CLTV Ratio Percent | 74.991% | 74.990% | 0.001% | 0.00% | One and the same - rounding. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626453 | Original Standard LTV (OLTV) | 74.991% | 74.990% | 0.001% | 0.00% | One and the same - rounding. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626454 | Borrower DTI Ratio Percent | 47.835% | 43.520% | 4.315% | 4.32% | Ratio is verified with credit report and income documentation on file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626454 | Original CLTV Ratio Percent | 83.258% | 83.250% | 0.008% | 0.01% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626454 | Original Standard LTV (OLTV) | 83.258% | 83.250% | 0.008% | 0.01% | Based on the loan amount and appraised value, the LTV is 83.258%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626454 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." This is a refinance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626455 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626455 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626455 | Borrower DTI Ratio Percent | 48.220% | 49.161% | -0.941% | -0.94% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626455 | Original CLTV Ratio Percent | 97.464% | 97.460% | 0.004% | 0.00% | One and the same - rounding. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626455 | Original Standard LTV (OLTV) | 97.464% | 97.460% | 0.004% | 0.00% | One and the same - rounding. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626456 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626456 | Borrower DTI Ratio Percent | 47.706% | 47.699% | 0.007% | 0.01% | Per income and debts provided. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626457 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626457 | Borrower DTI Ratio Percent | 49.331% | 47.916% | 1.415% | 1.42% | Borrower has a base income of $2166.67. Used the conservative commission of $1905.06. Makes DTI 49.3%. DTI is within 3% variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626458 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626458 | Borrower DTI Ratio Percent | 45.298% | 43.499% | 1.799% | 1.80% | The income and credit docs in file support the income and debts used. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626458 | MI Coverage Amount | 12.000% |  |  |  | MI Coverage is 125 | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626458 | Original Appraised Value | $XXXXXX.XX |  |  |  | Appraisal value is $XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626458 | Original CLTV Ratio Percent | 81.039% | 81.030% | 0.009% | 0.01% | One and the same - rounding | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626458 | Original Standard LTV (OLTV) | 81.039% | 81.030% | 0.009% | 0.01% | One and the same - rounding | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626458 | Property Postal Code | XXXXX | XXXXX |  |  | Postal code for XXX XXXX XXX XXXXX XXXXX NJ is XXXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626458 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626459 | Borrower DTI Ratio Percent | 42.426% | 42.425% | 0.001% | 0.00% | No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626459 | MI Coverage Amount | 30.000% |  |  |  | MI coverage is 30% as listed on the MI Certificate. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626459 | Original CLTV Ratio Percent | 94.804% | 94.800% | 0.004% | 0.00% | One and the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626459 | Original Standard LTV (OLTV) | 94.804% | 94.800% | 0.004% | 0.00% | One and the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626460 | Borrower DTI Ratio Percent | 20.294% | 22.176% | -1.882% | -1.88% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626460 | Original Appraised Value | $XXXXXX.XX |  |  |  | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626460 | Property Postal Code | XXXXX | XXXXX |  |  | The property postal code is XXXXX, based on the note and the application. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626460 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626462 | Borrower DTI Ratio Percent | 53.708% | 43.095% | 10.613% | 10.61% | DTI is verified with credit report, alternate REO mortgage statement and income documentation on file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626462 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626464 | Borrower DTI Ratio Percent | 38.291% | 41.975% | -3.684% | -3.68% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626465 | Borrower DTI Ratio Percent | 35.477% | 36.490% | -1.013% | -1.01% | Ratio per income and credit documentation in loan file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626465 | MI Coverage Amount | Not Applicable | 25.000% |  |  | N/A this program does not require MI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626465 | Original CLTV Ratio Percent | 88.770% | 89.000% | -0.230% | -0.23% | Based on the loan amount and appraised value, the LTV is 88.770%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626465 | Original Standard LTV (OLTV) | 88.770% | 89.000% | -0.230% | -0.23% | Based on the loan amount and appraised value, the LTV is 88.770%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626466 | Borrower DTI Ratio Percent | 26.535% | 20.635% | 5.900% | 5.90% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626467 | Borrower DTI Ratio Percent | 50.403% | 38.503% | 11.900% | 11.90% | The DTI Ratio is 47.982% The total monthly debt of $7255.70 divided by the monthly income of $15,121.63. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626468 | Borrower DTI Ratio Percent | 38.691% | 38.680% | 0.011% | 0.01% | Within variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626469 | Borrower DTI Ratio Percent | 35.051% | 38.501% | -3.450% | -3.45% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626470 | B1 Citizenship Status | US Citizen | Non-Resident Alien |  |  | Application and patriot act documentation in file indicate the borrower is a US Citizen with a US passport. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626470 | Borrower DTI Ratio Percent | 1.541% | 1.974% | -0.433% | -0.43% | Utilizing the borrower Schedule C income and positive cash flow from the subject property, the back end DTI is 1.54% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626471 | MI Coverage Amount | 0.300% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626472 | Borrower DTI Ratio Percent | 18.023% | 17.698% | 0.325% | 0.33% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626472 | QM Status 2 |  | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626473 | Borrower DTI Ratio Percent | 19.314% | 43.967% | -24.653% | -24.65% | rental income | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626474 | Borrower DTI Ratio Percent | 25.197% | 24.569% | 0.628% | 0.63% | DTI 25.197%. Difference of 0.628% is due to higher monthly debt. DTI is within requirement. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626474 | Representative Score | 768 | 738 | 30 | 4.07% | Representative score 768. Per guidelines, use the highest of the middle scores. Tape data is the lowest middle score. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626475 | Borrower DTI Ratio Percent | 25.772% | 18.830% | 6.942% | 6.94% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626475 | Original Appraised Value | $XXXXXX.XX |  |  |  | Appraisal value is $XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626475 | Original Note Doc Date | XX/XX/XXXX |  |  |  | Date printed on Note is XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626476 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX, based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626476 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | One and the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626477 | Borrower DTI Ratio Percent | 32.358% | 33.236% | -0.878% | -0.88% | Originator miscalculated debt by not including $264 monthly revolving debts for B2. Originator miscalculated housing monthly payment by not including the correct monthly escrow payment amount. Originator monthly payment for Primary Residence $2, 4782.52. Audit recalculated including P&I $2,307.34 + Escrow $660.59 + HOA $212.56. and including monthly debts $957.00. Total monthly debt $4,137.49. Using rental income to offset debts. Audit DTI 32.36%. No issues. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626477 | Representative Score | 689 | 709 | -20 | -2.82% | Representative Score 689 lower of two score. B2. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626478 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626478 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626478 | Borrower DTI Ratio Percent | 37.394% |  |  |  | Acceptable. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626478 | Lien Priority Type | First [1] |  |  |  | Lien Priority Type is First. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626478 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  | Occupancy at Origination is primary, based on the application. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626478 | Original CLTV Ratio Percent | 97.000% |  |  |  | As per Appraised value and loan amount CTLV ratio is 97.00% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626478 | Original Standard LTV (OLTV) | 97.000% |  |  |  | Based on the loan amount and sales price, the LTV is 97.000%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626478 | Representative Score | 726 | 743 | -17 | -2.29% | As per the Credit report page 325 representative score is 726. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626479 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626479 | Borrower DTI Ratio Percent | 32.942% | 31.136% | 1.806% | 1.81% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626479 | Number Of Units | 4 | 1 | 3 | 300.00% | The appraisal states that the subject property has four units. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626480 | B2 SSN | XXX-XX-XXXX | - - |  |  | Per final 1003 confirmed SSN | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626480 | Borrower #2 First Name | XXXXXXXX |  |  |  | Borrower #2 first name is XXXXX, based on the Note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626480 | Borrower #2 Last Name | XXXXXXXX |  |  |  | Borrower #2 last name is XXXXXX, based on the Note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626480 | Borrower DTI Ratio Percent | 48.459% | 50.400% | -1.941% | -1.94% | Within variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626481 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626481 | Borrower DTI Ratio Percent | 38.874% | 40.616% | -1.742% | -1.74% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626481 | Borrower Last Name | XXXXXXXX | XXXXXXXX |  |  | The borrower last name is XX-XXXXXX, based on the application and the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626482 | Borrower #2 First Name | XXXXXXXX |  |  |  | Borrower #2 first name is XXXXXXXX based on the Note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626482 | Borrower #2 Last Name | XXXXXXXX |  |  |  | Borrower #2 last name is xxxxxxxxxx based on the Note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626482 | Borrower DTI Ratio Percent | 42.129% | 42.196% | -0.067% | -0.07% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626483 | Borrower DTI Ratio Percent | 46.147% |  |  |  | Borrower DTI Ratio Percent 46.147% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626483 | Lien Priority Type | First [1] |  |  |  | Lien Priority Type is First. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626483 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  | Occupancy at origination is primary, based on the application. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626483 | Original CLTV Ratio Percent | 90.000% |  |  |  | As per DTI CLTV Ratio % 90% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626483 | Original Standard LTV (OLTV) | 90.000% |  |  |  | Based on the loan amount and sales price, the LTV is 90.000%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626484 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXXX, based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626486 | Borrower DTI Ratio Percent | 36.405% | 36.643% | -0.238% | -0.24% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626486 | MI Coverage Amount | Not Applicable | 12.000% |  |  | Not required | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626487 | Borrower DTI Ratio Percent | 57.552% | 39.230% | 18.322% | 18.32% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626488 | Borrower DTI Ratio Percent | 48.452% | 45.213% | 3.239% | 3.24% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626489 | Borrower DTI Ratio Percent | 23.264% |  |  |  | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626489 | Lien Priority Type | First [1] |  |  |  | 1st | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626489 | MI Coverage Amount | Not Applicable | 35.000% |  |  | Not required | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626489 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  | Primary | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626489 | Original CLTV Ratio Percent | 97.000% |  |  |  | 97.00% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626489 | Original Standard LTV (OLTV) | 97.000% |  |  |  | 97% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626490 | Borrower DTI Ratio Percent | 38.685% | 38.830% | -0.145% | -0.14% | Within 3% tolerance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626490 | Original CLTV Ratio Percent | 104.664% | 1.047% | 103.617% | 103.62% | Rounding issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626491 | Borrower DTI Ratio Percent | 37.062% | 36.470% | 0.592% | 0.59% | Minor Variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626492 | Borrower DTI Ratio Percent | 38.779% | 44.104% | -5.325% | -5.33% | The pay stubs on pages 190 & 191 provided show pay $2,754.01 (80 hours per pay period) putting the monthly pay at $5,577.02. The borr had 1 day PTO in both pay periods. The lender did not include the 8 hours PTO for both periods in their income calc. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626492 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX, based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626492 | QM Status 2 | Non-QM/Non-Compliant | Non-QM/Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626492 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626493 | Borrower DTI Ratio Percent | 36.414% | 36.990% | -0.576% | -0.58% | Less than 1% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626493 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX, based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626494 | Borrower DTI Ratio Percent | 30.786% | 31.929% | -1.143% | -1.14% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626495 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626495 | Borrower DTI Ratio Percent | 50.519% | 49.450% | 1.069% | 1.07% | Within tolerance; meets lender guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626495 | Original CLTV Ratio Percent | 71.351% | 69.934% | 1.417% | 1.42% | 71.351% LTV based on loan amount and appraisal value. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626495 | Original Standard LTV (OLTV) | 71.351% | 69.934% | 1.417% | 1.42% | Based on the loan amount and appraised value, the LTV is 71.351%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626497 | Borrower DTI Ratio Percent | 33.441% | 35.981% | -2.540% | -2.54% | No issues within guidelines | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626499 | Borrower DTI Ratio Percent | 52.678% | 40.647% | 12.031% | 12.03% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626500 | Borrower DTI Ratio Percent | 1.056% | 1.959% | -0.903% | -0.90% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626500 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | One in the same | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626501 | Borrower DTI Ratio Percent | 57.459% | 25.069% | 32.390% | 32.39% | Included the PITIA for the un-disclosed mortgage in the ratios. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626501 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX, based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626501 | Original CLTV Ratio Percent | 50.893% | 49.259% | 1.634% | 1.63% | Within 3% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626501 | Original Standard LTV (OLTV) | 50.893% | 49.259% | 1.634% | 1.63% | Based on the loan amount and appraised value, the LTV is 50.893%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626502 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX, based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626503 | Original Appraised Value | $XXXXXX.XX |  |  |  | As per the 1008 document in loan file appraised value is $XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626504 | Borrower DTI Ratio Percent | 38.174% | 33.226% | 4.948% | 4.95% | Per income and debts provided. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626504 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | 61 (Days) |  | The first payment date XX/XX/XXXX, based on the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626504 | Original CLTV Ratio Percent | 72.620% | 73.000% | -0.380% | -0.38% | Based on the loan amount and appraised value, the CLTV is 72.620%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626504 | Original Standard LTV (OLTV) | 72.620% | 73.000% | -0.380% | -0.38% | Based on the loan amount and appraised value, the LTV is 72.620%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626505 | Borrower DTI Ratio Percent | 41.380% | 41.379% | 0.001% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626505 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | 182 (Days) |  | The first payment date is XX/XX/XXXX, based on the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626505 | Original CLTV Ratio Percent | 75.141% | 76.000% | -0.859% | -0.86% | Based on the loan amount and appraised value, the CLTV is 75.141%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626505 | Original Standard LTV (OLTV) | 75.141% | 76.000% | -0.859% | -0.86% | Based on the loan amount and appraised value, the LTV is 75.141%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626505 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626506 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | -731 (Days) |  | First payment date is XX/XXXXX, based on the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626506 | Original CLTV Ratio Percent | 91.755% | 92.000% | -0.245% | -0.25% | Based on the loan amount and appraised value, the CLTV is 91.755%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626506 | Original Standard LTV (OLTV) | 91.755% | 92.000% | -0.245% | -0.25% | Based on the loan amount and appraised value, the LTV is 91.755%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626506 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626507 | Borrower DTI Ratio Percent | 48.203% | 48.433% | -0.230% | -0.23% | Within 3% tolerance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626507 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | -92 (Days) |  | The first payment date is XX/XX/XXXX, based on the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626507 | Lien Priority Type | First [1] | Other |  |  | Lien Priority Type is First. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626507 | Original CLTV Ratio Percent | 65.349% | 66.000% | -0.651% | -0.65% | Within 1% tolerance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626507 | Original Standard LTV (OLTV) | 65.349% | 66.000% | -0.651% | -0.65% | Within 1% tolerance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626508 | Borrower DTI Ratio Percent | 57.391% | 46.651% | 10.740% | 10.74% | Variance is taxes for subject. Lender used $81.15 monthly. Review used $485.35 monthly based on tax bill in file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626508 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | 245 (Days) |  | The Note reflects first payment date as XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626508 | Lien Priority Type | First [1] | Other |  |  | Lien Priority Type is First. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626508 | Original CLTV Ratio Percent | 77.243% | 78.000% | -0.757% | -0.76% | Based on the loan amount and appraised value, the CLTV is 77.243%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626508 | Original Standard LTV (OLTV) | 77.243% | 78.000% | -0.757% | -0.76% | Based on the loan amount and appraised value, the LTV is 77.243%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626509 | Borrower DTI Ratio Percent | 38.779% | 1.078% | 37.701% | 37.70% | DTI is verified with income and credit report information on file, borrower has 2 rental properties reported on the tax return and schedule F farm income loss included as well as w2 income. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626509 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | 304 (Days) |  | The first payment date is XX/XX/XXXX, based on the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626509 | Original CLTV Ratio Percent | 37.140% | 38.000% | -0.860% | -0.86% | Based on the loan amount and appraised value, the CLTV is 37.140%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626509 | Original Standard LTV (OLTV) | 37.140% | 38.000% | -0.860% | -0.86% | Based on the loan amount and appraised value, the LTV is 37.140%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626509 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626510 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | -30 (Days) |  | The first payment date is XX/XX/XXXX, based on the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626510 | Original CLTV Ratio Percent | 68.421% | 69.000% | -0.579% | -0.58% | Based on appraised value and loan amount. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626510 | Original Standard LTV (OLTV) | 68.421% | 69.000% | -0.579% | -0.58% | Based on the loan amount and appraised value, the LTV is 68.421%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626511 | Borrower DTI Ratio Percent | 43.568% | 36.434% | 7.134% | 7.13% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626511 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | -62 (Days) |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626511 | Lien Priority Type | First [1] | Other |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626511 | Original CLTV Ratio Percent | 70.758% | 71.000% | -0.242% | -0.24% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626511 | Original Standard LTV (OLTV) | 70.758% | 71.000% | -0.242% | -0.24% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626511 | Representative Score | 738 | 729 | 9 | 1.23% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626512 | Borrower DTI Ratio Percent | 33.730% | 32.265% | 1.465% | 1.47% | Within 3% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626512 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | 30 (Days) |  | First payment date shows XX/XX/XXXX on Note | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626512 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The transaction is refinance. No further action needed. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626513 | Borrower DTI Ratio Percent | 40.101% | 40.102% | -0.001% | -0.00% | No issue - rounding variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626513 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | 153 (Days) |  | The first payment date is XX/XX/XXXX, based on the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626513 | Original CLTV Ratio Percent | 78.431% | 79.000% | -0.569% | -0.57% | No issue - rounding variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626513 | Original Standard LTV (OLTV) | 78.431% | 79.000% | -0.569% | -0.57% | Based on the loan amount and appraised value, the LTV is 78.431%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626514 | Borrower DTI Ratio Percent | 33.774% | 34.138% | -0.364% | -0.36% | Within 3% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626514 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | -304 (Days) |  | The first payment date is XX/XX/XXXX, based on the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626514 | Lien Priority Type | First [1] | Other |  |  | Lien Priority Type is First. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626514 | Original CLTV Ratio Percent | 73.364% | 74.000% | -0.636% | -0.64% | Based on the loan amount and appraised value, the CLTV is 73.364%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626514 | Original Standard LTV (OLTV) | 73.364% | 74.000% | -0.636% | -0.64% | Based on the loan amount and appraised value, the LTV is 73.364%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626514 | Representative Score | 622 | 621 | 1 | 0.16% | Per the credit report | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626514 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626515 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | 731 (Days) |  | The first payment date is XX/XX/XXXX, based on the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626515 | Original CLTV Ratio Percent | 78.313% | 78.310% | 0.003% | 0.00% | No issues. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626515 | Original Standard LTV (OLTV) | 78.313% | 78.310% | 0.003% | 0.00% | Based on the loan amount and appraised value, the LTV is 78.313%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626515 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626516 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626516 | Borrower DTI Ratio Percent | 55.523% | 48.324% | 7.199% | 7.20% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626517 | Borrower DTI Ratio Percent | 43.543% |  |  |  | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626517 | Lien Priority Type | First [1] |  |  |  | Lien Priority Type is First. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626517 | Occupancy at Origination (Property Usage Type) | Primary [1] |  |  |  | Occupancy at origination is primary, based on the application. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626517 | Original CLTV Ratio Percent | 91.575% |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626517 | Original Standard LTV (OLTV) | 91.575% |  |  |  | Based on the loan amount and sales price, the LTV is 90.000%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626518 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  | The loan file verifies the Borrowers SSN as XX-XX-XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626518 | Borrower DTI Ratio Percent | 49.510% | 45.229% | 4.281% | 4.28% | AUS/DU required 2 yrs tax returns for personal and business, which based on the Note date of XX/XX/XXXX, would be XXXX and XXXX. The loan file contained tax returns for XXXX and XXXX, with XXXX missing and no extension present in the loan file. As a result Audit review used 12 mos avg income from the XXXX tax returns, for a total monthly income of $7154.25. The Origination underwriter calculated the borrowers monthly income as $7505, along with including a 2nd job income for the Co-borrower of $383, and the Co-Borrowers primary job income of $1570.40. The Co-Borrower began employment on the second job XX/XX/XXXX, and based on the Note date of XX/XX/XXXX has not been employed in that position for the minium of 2yrs required per FNMA guidelines to include the income in qualifying. As a result the Audit review calculated the Co-Borrowers monthly income as base pay only of $1486.33, which is supported by the YTD and prior years earnings. The Audit reviews total qualifying income for both borrowers is $8640.58, which increased the qualifying DTI from 45.23% to 49.5% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626519 | Borrower DTI Ratio Percent | 51.051% | 50.185% | 0.866% | 0.87% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626519 | Original Appraised Value | $XXXXXX.XX |  |  |  | No issueNo issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626520 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626520 | Borrower DTI Ratio Percent | 34.862% | 36.940% | -2.078% | -2.08% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626520 | Representative Score | 673 | 660 | 13 | 1.97% | Per the updated credit report pulled on XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626521 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | As per the DU purpose of loan is refinance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626522 | Borrower DTI Ratio Percent | 46.662% | 46.683% | -0.021% | -0.02% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626523 | Borrower DTI Ratio Percent | 44.388% | 42.908% | 1.480% | 1.48% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626524 | Borrower DTI Ratio Percent | 45.318% | 44.927% | 0.391% | 0.39% | Variance due to slight difference in income calculation - no issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626525 | Borrower DTI Ratio Percent | 33.423% | 33.458% | -0.035% | -0.04% | Minor Variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626526 | Borrower DTI Ratio Percent | 47.019% | 46.865% | 0.154% | 0.15% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626526 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626527 | Borrower DTI Ratio Percent | 28.119% | 31.770% | -3.651% | -3.65% | The audit review verified the DTI Ratio as 28.119%, matching all debts from the credit report to the Final Loan Application. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626527 | Lifetime Downward Rate Change Cap | 0.625% | 2.250% | -1.625% | -1.63% | Lifetime Downward Rate Change Cap is 0.625%, based on the minimum rate of 2.25%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626528 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  | B1 SSN XXX-XX-XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626528 | Borrower DTI Ratio Percent | 56.481% | 27.131% | 29.350% | 29.35% | The DTI Ratio 56.481% The total monthly debt of $2771.59 divided by the monthly income of $4767.88 | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626528 | Original CLTV Ratio Percent | 76.642% | 76.640% | 0.002% | 0.00% | One and the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626528 | Original Standard LTV (OLTV) | 76.642% | 76.640% | 0.002% | 0.00% | One and the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626528 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | N/A | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626529 | Borrower DTI Ratio Percent | 22.792% | 17.290% | 5.502% | 5.50% | One in the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626529 | Original CLTV Ratio Percent | 46.552% | 46.550% | 0.002% | 0.00% | One and the same - rounding. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626529 | Original Standard LTV (OLTV) | 46.552% | 46.550% | 0.002% | 0.00% | One and the same - rounding. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626529 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | N/A | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626530 | Borrower DTI Ratio Percent | 29.993% | 29.981% | 0.012% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626530 | Original CLTV Ratio Percent | 72.222% | 72.220% | 0.002% | 0.00% | Based on the loan amount and appraised value, the CLTV is 72.222%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626530 | Original Standard LTV (OLTV) | 72.222% | 72.220% | 0.002% | 0.00% | Based on the loan amount and appraised value, the LTV is 72.222%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626530 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626531 | Borrower DTI Ratio Percent | 50.117% | 50.239% | -0.122% | -0.12% | No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626531 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626532 | Borrower DTI Ratio Percent | 23.354% | 23.103% | 0.251% | 0.25% | One in the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626532 | Original CLTV Ratio Percent | 66.716% | 66.710% | 0.006% | 0.01% | Based on the loan amount and appraised value, the CLTV is 66.716%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626532 | Original Standard LTV (OLTV) | 66.716% | 66.710% | 0.006% | 0.01% | Based on the loan amount and appraised value, the LTV is 66.716%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626533 | Borrower DTI Ratio Percent | 38.508% | 45.915% | -7.407% | -7.41% | Income verified with paystub on file. Base pay only used for calculations, borrower has 2 rental properties reported on tax return. Debt verified with credit report and mortgage statements for rentals and primary residence. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626534 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626535 | Borrower DTI Ratio Percent | 37.214% | 37.297% | -0.083% | -0.08% | Within 3% tolerance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626536 | Borrower DTI Ratio Percent | 73.032% | 42.444% | 30.588% | 30.59% | Note, Loan Disposition and General Review Comments reflected a stated defect due to B2 being unemployed on XX/XX/XXXX prior to the subject closing on XX/XX/XXXX (Pg 223) per a TWN/VOE (Pg 455), furlough from XX/XX/XXXX-XX/XX/XXXX (Pg 259), excluding the B2 income the DTI increased to 59.86% per the comment. However, per the review excluding the B2 wage income the DTI increased to 73.032%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626536 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $505,000.00, based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626536 | Original CLTV Ratio Percent | 45.782% | 45.780% | 0.002% | 0.00% | Based on the loan amount and appraised value, the CLTV is 45.782%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626536 | Original Standard LTV (OLTV) | 45.782% | 45.780% | 0.002% | 0.00% | Based on the loan amount and appraised value, the LTV is 45.782%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626536 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626537 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626537 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626537 | Borrower DTI Ratio Percent | 24.409% | 26.567% | -2.158% | -2.16% | As per document. No Issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626537 | Original CLTV Ratio Percent | 27.778% | 27.770% | 0.008% | 0.01% | One and the same - rounding. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626537 | Original Standard LTV (OLTV) | 27.778% | 27.770% | 0.008% | 0.01% | One and the same - rounding. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626538 | Borrower DTI Ratio Percent | 52.120% | 48.928% | 3.192% | 3.19% | DTI allowed to 60% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626538 | Original CLTV Ratio Percent | 25.886% | 25.880% | 0.006% | 0.01% | Within 1% tolerance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626538 | Original Standard LTV (OLTV) | 25.886% | 25.880% | 0.006% | 0.01% | Within 1% tolerance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626539 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626539 | Borrower DTI Ratio Percent | 35.846% | 36.283% | -0.437% | -0.44% | Within 3% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626539 | MI Coverage Amount | Not Applicable | 25.000% |  |  | Not required | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626540 | Borrower DTI Ratio Percent | 49.295% | 45.446% | 3.849% | 3.85% | Borrower has an income of $7800 and a total debt of $3845.01. Makes DTI ratio 49%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626540 | Original CLTV Ratio Percent | 66.286% | 66.280% | 0.006% | 0.01% | One and the same - rounding. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626540 | Original Standard LTV (OLTV) | 66.286% | 66.280% | 0.006% | 0.01% | One and the same - rounding. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626540 | Property Postal Code | XXXXX | XXXXX |  |  | Property zipcode is XXXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626540 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626541 | Borrower DTI Ratio Percent | 43.504% | 42.502% | 1.002% | 1.00% | DTI 43.504%. Difference of 1.002% is due to the student loan monthly payment amount used to qualify. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626541 | Original CLTV Ratio Percent | 77.542% | 77.540% | 0.002% | 0.00% | Based on the loan amount and appraised value, the LTV/CLTV is 77.542% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626541 | Original Standard LTV (OLTV) | 77.542% | 77.540% | 0.002% | 0.00% | Based on the loan amount and appraised value, the LTV is 77.542%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626541 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626542 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626542 | Borrower DTI Ratio Percent | 38.671% | 39.042% | -0.371% | -0.37% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626542 | MI Coverage Amount | Not Applicable | 25.000% |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626542 | Original Note Doc Date | XX/XX/XXXX |  |  |  | As per Note, original NOTE DATE IS XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626543 | Original CLTV Ratio Percent | 76.923% | 76.920% | 0.003% | 0.00% | Based on the loan amount and appraised value, the CLTV is 76.923%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626543 | Original Standard LTV (OLTV) | 76.923% | 76.920% | 0.003% | 0.00% | Based on the loan amount and appraised value, the LTV is 76.923%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626543 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626544 | Borrower DTI Ratio Percent | 59.066% | 49.104% | 9.962% | 9.96% | DTI 59.066%. Difference of 9.962% is due to higher taxes and lower income. Max DTI is 60.00% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626544 | MI Coverage Amount | 25.000% |  |  |  | MI coverage amount is 25.000%, based on the MI Certificate. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626544 | Original CLTV Ratio Percent | 95.000% | 94.990% | 0.010% | 0.01% | CLTV ratio is 95.00% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626544 | Original Standard LTV (OLTV) | 95.000% | 94.990% | 0.010% | 0.01% | Based on the loan amount and sales price, the LTV is 95.000%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626545 | Borrower DTI Ratio Percent | 53.942% | 40.978% | 12.964% | 12.96% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626545 | Original CLTV Ratio Percent | 52.986% | 52.980% | 0.006% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626545 | Original Standard LTV (OLTV) | 52.986% | 52.980% | 0.006% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626546 | Borrower DTI Ratio Percent | 49.110% | 47.425% | 1.685% | 1.69% | Within guidelines, within tolerances | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626546 | Borrower Last Name | XXXXXXXX | XXXXXXXX |  |  | The borrow last name is spelled XXXXXXXX, based on the note and application. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626546 | Original CLTV Ratio Percent | 68.889% | 68.880% | 0.009% | 0.01% | Within allowable variances | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626546 | Original Standard LTV (OLTV) | 68.889% | 68.880% | 0.009% | 0.01% | Based on the loan amount and appraised value, the LTV is 68.889%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626546 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | NA. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626548 | Borrower DTI Ratio Percent | 48.704% | 48.539% | 0.165% | 0.17% | Acceptable | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626548 | Original Appraised Value | $XXXXXX.XX |  |  |  | Original appraised value is $XXX,XXX, based on the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626549 | Borrower DTI Ratio Percent | 40.140% | 43.391% | -3.251% | -3.25% | Per paystubs in file, borrower is paid biweekly. Monthly income is $12,666.66. DTI is 40.1% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626549 | Original Appraised Value | $XXXXXX.XX |  |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626549 | Original CLTV Ratio Percent | 59.487% | 59.488% | -0.001% | -0.00% | Based on the loan amount and appraised value, the LTV/CLTV is 59.487%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626549 | Original Standard LTV (OLTV) | 59.487% | 59.488% | -0.001% | -0.00% | Based on the loan amount and appraised value, the LTV is 59.487%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626549 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626550 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626550 | Borrower DTI Ratio Percent | 41.336% | 41.705% | -0.369% | -0.37% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626551 | Borrower DTI Ratio Percent | 47.294% | 48.164% | -0.870% | -0.87% | Per paystubs, tax returns and court documents, the borrower has a monthly income of $5474.38. Makes the DTI 47%. DTI is within 3% variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626551 | Lifetime Downward Rate Change Cap | 0.000% | 2.750% | -2.750% | -2.75% | Lifetime downward rate change cap is 0.000%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626552 | Borrower DTI Ratio Percent | 28.147% | 39.134% | -10.987% | -10.99% | The borrowers have a total monthly income of $8229.44 with monthly debt of $2316.33. The DTI is 28% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626552 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626553 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626553 | Borrower DTI Ratio Percent | 40.409% | 40.415% | -0.006% | -0.01% | Acceptable | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626554 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626554 | Borrower DTI Ratio Percent | 39.914% | 40.240% | -0.326% | -0.33% | As per Income calculation worksheet DTI Ratio is 39.914% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626555 | Borrower DTI Ratio Percent | 53.272% | 40.190% | 13.082% | 13.08% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626556 | Original Stated P&I | $940.47 | $940.00 | $0.47 | 0.05% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626557 | Borrower Last Name | XXXXXXXX | XXXXXXXX |  |  | Per the Note | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626558 | Borrower DTI Ratio Percent | 38.341% | 44.342% | -6.001% | -6.00% | As per Document. No Issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626559 | Borrower DTI Ratio Percent | 41.338% | 41.694% | -0.356% | -0.36% | As per document. No Issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626560 | Borrower DTI Ratio Percent | 40.862% | 44.234% | -3.372% | -3.37% | Discrepancies in the borrowers income and debt calculations | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626561 | Borrower DTI Ratio Percent | 24.295% | 24.340% | -0.045% | -0.04% | Based on borrower salary provided. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626562 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626562 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626562 | Borrower #2 First Name | XXXXXXXX | XXXXXXXX |  |  | Borrower #2 Frist Name Caroline, based on the application. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626562 | Borrower DTI Ratio Percent | 28.906% | 29.340% | -0.434% | -0.43% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626562 | Lifetime Downward Rate Change Cap | 0.000% | 3.000% | -3.000% | -3.00% | Lifetime Downard Rate Change Cap is .25%, based on the minimum 3.000%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626563 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626563 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626563 | Borrower DTI Ratio Percent | 44.672% | 44.570% | 0.102% | 0.10% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626563 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The transaction is refinance. No further action needed. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626564 | Borrower DTI Ratio Percent | 31.361% | 39.146% | -7.785% | -7.79% | Using rental income on other 2 units of primary residence and all 3 units of the subject property | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626565 | Borrower DTI Ratio Percent | 25.212% | 25.960% | -0.748% | -0.75% | Per the income and debt documents | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626566 | Original CLTV Ratio Percent | 34.667% | 36.000% | -1.333% | -1.33% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626566 | Original Standard LTV (OLTV) | 34.667% | 36.000% | -1.333% | -1.33% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626569 | Borrower DTI Ratio Percent | 31.905% | 32.030% | -0.125% | -0.13% | One and same | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626569 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -0.88% | The Value Used is the lesser of the sales price and the appraised value. The sales price is $XXX,XXX and the appraised value $XXX,XXX. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626570 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626570 | Borrower DTI Ratio Percent | 30.437% | 33.330% | -2.893% | -2.89% | Variance due to higher income calculation for B1. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626571 | Borrower DTI Ratio Percent | 35.147% | 35.080% | 0.067% | 0.07% | within 3% tolerance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626572 | MI Coverage Amount | Not Applicable | 25.000% |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626573 | Borrower DTI Ratio Percent | 24.908% | 26.200% | -1.292% | -1.29% | no issue, audit is less | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626574 | Borrower DTI Ratio Percent | 43.130% | 40.070% | 3.060% | 3.06% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626575 | Borrower DTI Ratio Percent | 8.683% | 19.740% | -11.057% | -11.06% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626576 | Borrower DTI Ratio Percent | 15.523% | 1548.000% | -1532.477% | -1532.48% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626576 | Occupancy at Origination (Property Usage Type) | Investor [3] | Primary [1] |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626576 | Original CLTV Ratio Percent | 77.519% | 78.000% | -0.481% | -0.48% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626576 | Original Standard LTV (OLTV) | 77.519% | 57.140% | 20.379% | 20.38% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626577 | Borrower DTI Ratio Percent | 37.787% | 35.960% | 1.827% | 1.83% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626579 | Borrower DTI Ratio Percent | 40.444% | 63.459% | -23.015% | -23.02% | The audit concluded consumer debt is $598 and rent loss is $865.59. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626580 | Borrower DTI Ratio Percent | 8.434% | 23.317% | -14.883% | -14.88% | Lender included 2 investment properties paid by the business | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626582 | Borrower DTI Ratio Percent | 25.237% | 34.650% | -9.413% | -9.41% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626583 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -0.91% | Original appraised value is $XXX,XXX, based on the appraisal report. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626584 | Borrower DTI Ratio Percent | 44.868% | 44.950% | -0.082% | -0.08% | Per the most recent pay stub | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626584 | MI Coverage Amount | Not Applicable | 25.000% |  |  | N/A | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626585 | Borrower DTI Ratio Percent | 31.862% | 32.090% | -0.228% | -0.23% | Small variance, no issues | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626585 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | The property address is XXXXX XXXXXXXXX XXXXX X, based on the note and appraisal. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626587 | Borrower DTI Ratio Percent | 39.057% | 49.930% | -10.873% | -10.87% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626587 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sale price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626589 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | -31 (Days) |  | Frist payment date is XX/XX/XXXX, based on the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626590 | Borrower DTI Ratio Percent | 44.899% | 49.295% | -4.396% | -4.40% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626590 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | 31 (Days) |  | The first payment date is XX/XX/XXXX, based on the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626591 | Borrower DTI Ratio Percent | 42.886% | 44.938% | -2.052% | -2.05% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626591 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626592 | Borrower DTI Ratio Percent | 40.606% | 41.533% | -0.927% | -0.93% | HTI 40.06 | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626593 | Borrower DTI Ratio Percent | 46.398% | 43.424% | 2.974% | 2.97% | The DTI ratio percent 46.398% The total monthly debt of $2518.61 divided by the monthly income of $5428.30 | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626593 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | 31 (Days) |  | According to the Note in the file, the first payment date is XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626594 | Borrower DTI Ratio Percent | 54.054% | 42.077% | 11.977% | 11.98% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626594 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | -31 (Days) |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626595 | Borrower DTI Ratio Percent | 41.382% | 43.448% | -2.066% | -2.07% | The audit reflected P & I is $2,104.38 per the Note on page 230. The 1008 reflected $2,238.33 on page 542 of the file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626597 | B1 Citizenship Status | US Citizen | Permanent Res Alien |  |  | B1 Us citizen | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626597 | Borrower DTI Ratio Percent | 45.484% | 43.986% | 1.498% | 1.50% | Borrower DTI Ratio % 45.484% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626598 | Borrower DTI Ratio Percent | 66.381% | 93.060% | -26.679% | -26.68% | Review calculated a lower DTI | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626600 | Borrower DTI Ratio Percent | 40.333% | 0.000% | 40.333% | 40.33% | 40.33% - | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626601 | Borrower DTI Ratio Percent | 32.467% | 34.037% | -1.570% | -1.57% | Ratio verified with credit report debts and income on file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626601 | Original Note Doc Date | XX/XX/XXXX | XX/XX/XXXX | 1 (Days) |  | The Note reflects XX/XX/XXXX as the Note date. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626602 | Borrower DTI Ratio Percent | 41.366% | 41.104% | 0.262% | 0.26% | As per the DTI ratio DTI is 41.105% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626603 | Borrower DTI Ratio Percent | 47.942% | 46.700% | 1.242% | 1.24% | Within 3% tolerance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626603 | Original CLTV Ratio Percent | 47.685% | 48.000% | -0.315% | -0.32% | Rounding issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626603 | Original Standard LTV (OLTV) | 47.685% | 48.000% | -0.315% | -0.32% | Based on the loan amount and appraised value, the LTV is 47.685%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626604 | Borrower DTI Ratio Percent | 38.018% | 41.241% | -3.223% | -3.22% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626605 | Borrower DTI Ratio Percent | 22.946% | 23.570% | -0.624% | -0.62% | DTI ratio calculated at 22.946% per the documentation in file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626606 | Borrower DTI Ratio Percent | 30.563% | 33.931% | -3.368% | -3.37% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626606 | Representative Score | 636 | 651 | -15 | -2.30% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626607 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | One and the Same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626608 | Borrower DTI Ratio Percent | 42.116% | 42.117% | -0.001% | -0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626608 | Number Of Units | 1 | 1338 | -1337 | -99.93% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626609 | Borrower DTI Ratio Percent | 16.870% | 18.065% | -1.195% | -1.20% | no issues. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626610 | Borrower DTI Ratio Percent | 57.806% | 57.607% | 0.199% | 0.20% | within variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626611 | Borrower DTI Ratio Percent | 42.344% | 73.807% | -31.463% | -31.46% | Included the rental income. The increase in income caused the variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626612 | Borrower DTI Ratio Percent | 44.169% | 43.880% | 0.289% | 0.29% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626612 | Original CLTV Ratio Percent | 49.876% | 49.870% | 0.006% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626612 | Original Standard LTV (OLTV) | 49.876% | 49.870% | 0.006% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626613 | Borrower DTI Ratio Percent | 48.166% | 46.619% | 1.547% | 1.55% | The full PITI payment for the subject and the credit report debt was not included in the DTI calculation at origination. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626613 | Original CLTV Ratio Percent | 79.646% | 80.000% | -0.354% | -0.35% | The appraised value of $XXX,XXX is lower than the $XXX,XXX purchase price, therfore was used to calculate the LTV. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626613 | Original Standard LTV (OLTV) | 79.646% | 80.000% | -0.354% | -0.35% | The appraised value of $XXX,XXX is lower than the $XXX,XXX purchase price, therefore was utilized to calculate the LTV. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626613 | Representative Score | 791 | 792 | -1 | -0.13% | The borrowers credit scores were 792 792 and 791. Per Guidelines, the lower of the two should be utilized. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626613 | Sales Price (HUD-1 Line 101) | XXXXXX.XX | XXXXXX.XX | $5000.00 | 2.22% | The purchase contract provided in the loan file evidences the purchase price of $XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626614 | Original CLTV Ratio Percent | 91.139% | 91.130% | 0.009% | 0.01% | Based on the loan amount and appraised value, the CLTV is 91.139%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626614 | Original Standard LTV (OLTV) | 91.139% | 91.130% | 0.009% | 0.01% | Based on the loan amount and appraised value, the COLTV is 91.139%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626615 | Borrower DTI Ratio Percent | 37.028% | 37.080% | -0.052% | -0.05% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626615 | Original CLTV Ratio Percent | 64.626% | 64.620% | 0.006% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626615 | Original Standard LTV (OLTV) | 64.626% | 64.620% | 0.006% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626616 | Original CLTV Ratio Percent | 82.098% | 82.090% | 0.008% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626616 | Original Standard LTV (OLTV) | 82.098% | 82.090% | 0.008% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626616 | Property Postal Code | XXXXX | XXXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626617 | Borrower DTI Ratio Percent | 44.455% | 44.456% | -0.001% | -0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626617 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626618 | Original CLTV Ratio Percent | 79.630% | 79.620% | 0.010% | 0.01% | Based on the loan amount and appraised value, the CLTV is 79.630%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626618 | Original Standard LTV (OLTV) | 79.630% | 79.620% | 0.010% | 0.01% | Based on the loan amount and appraised value, the LTV is 79.630%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626619 | B1 Citizenship Status | US Citizen | Permanent Res Alien |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626619 | Borrower DTI Ratio Percent | 51.914% | 51.763% | 0.151% | 0.15% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626619 | Original CLTV Ratio Percent | 44.783% | 44.780% | 0.003% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626619 | Original Standard LTV (OLTV) | 44.783% | 44.780% | 0.003% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626620 | Original CLTV Ratio Percent | 71.378% | 71.370% | 0.008% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626620 | Original Standard LTV (OLTV) | 71.378% | 71.370% | 0.008% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626621 | Original CLTV Ratio Percent | 32.500% | 33.000% | -0.500% | -0.50% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626621 | Original Standard LTV (OLTV) | 32.500% | 33.000% | -0.500% | -0.50% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626622 | Borrower DTI Ratio Percent | 41.602% | 45.758% | -4.156% | -4.16% | The income calculated during audit is higher than that calculated by the original underwriter. DTI still within guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626622 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | The audit value matches the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626622 | Representative Score | 699 | 700 | -1 | -0.14% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626622 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626623 | Borrower DTI Ratio Percent | 27.923% | 47.947% | -20.024% | -20.02% | The subject property mortgage being paid off was included in the debt calculation, as well as new payment | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626623 | Original CLTV Ratio Percent | 53.956% | 53.950% | 0.006% | 0.01% | Original CLTV is 47.471% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626623 | Original Standard LTV (OLTV) | 47.471% | 47.470% | 0.001% | 0.00% | One and the same - rounding. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626623 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626625 | Borrower DTI Ratio Percent | 23.995% | 24.286% | -0.291% | -0.29% | Acceptable. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626625 | Original CLTV Ratio Percent | 76.291% | 76.290% | 0.001% | 0.00% | Based on the loan amount and appraised value, the LTV/CLTV is 73.291%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626625 | Original Standard LTV (OLTV) | 76.291% | 76.290% | 0.001% | 0.00% | Based on the loan amount and appraised value, the LTV is 76.291%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626625 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626626 | Borrower DTI Ratio Percent | 46.522% | 46.982% | -0.460% | -0.46% | Within variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626626 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | N/A | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626627 | Original CLTV Ratio Percent | 50.286% | 50.280% | 0.006% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626627 | Original Standard LTV (OLTV) | 50.286% | 50.280% | 0.006% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626627 | Property State | Nevada | New York |  |  | According to the Note on page 249, the subject property state is Nevada. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626627 | Representative Score | Not Applicable | 747 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626627 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626628 | Borrower DTI Ratio Percent | 17.572% | 10.665% | 6.907% | 6.91% | Variance due to difference in rental income calculations. No issue - within guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626628 | Original CLTV Ratio Percent | 58.534% | 58.530% | 0.004% | 0.00% | No issue - rounding variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626628 | Original Standard LTV (OLTV) | 58.534% | 58.530% | 0.004% | 0.00% | Based on the loan amount and appraised value, the LTV is 58.534%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626629 | Borrower DTI Ratio Percent | 59.071% | 37.936% | 21.135% | 21.14% | Based on income documents provided B1 income used paystubs, B2 income used WVOE. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626630 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626630 | Borrower DTI Ratio Percent | 46.334% | 42.628% | 3.706% | 3.71% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626631 | Borrower DTI Ratio Percent | 43.013% | 39.505% | 3.508% | 3.51% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626631 | Original CLTV Ratio Percent | 31.776% | 31.770% | 0.006% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626631 | Original Standard LTV (OLTV) | 31.776% | 31.770% | 0.006% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626632 | Borrower DTI Ratio Percent | 44.038% | 44.619% | -0.581% | -0.58% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626632 | Original CLTV Ratio Percent | 77.241% | 77.240% | 0.001% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626632 | Original Standard LTV (OLTV) | 77.241% | 77.240% | 0.001% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626634 | Borrower DTI Ratio Percent | 58.824% | 49.697% | 9.127% | 9.13% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626634 | Original CLTV Ratio Percent | 54.933% | 55.000% | -0.067% | -0.07% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626634 | Original Standard LTV (OLTV) | 54.933% | 55.000% | -0.067% | -0.07% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626635 | Borrower DTI Ratio Percent | 33.153% | 37.513% | -4.360% | -4.36% | Ratio per income and credit documentation in loan file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626635 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | N/A this is a refinance transaction. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626636 | Borrower DTI Ratio Percent | 26.427% | 25.943% | 0.484% | 0.48% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626637 | Borrower DTI Ratio Percent | 43.159% | 47.905% | -4.746% | -4.75% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626637 | Original CLTV Ratio Percent | 74.730% | 74.720% | 0.010% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626637 | Original Standard LTV (OLTV) | 74.730% | 74.720% | 0.010% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626638 | Borrower DTI Ratio Percent | 42.250% | 41.342% | 0.908% | 0.91% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626638 | Original CLTV Ratio Percent | 69.243% | 69.240% | 0.003% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626638 | Original Standard LTV (OLTV) | 69.243% | 69.240% | 0.003% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626639 | Borrower DTI Ratio Percent | 43.270% | 43.738% | -0.468% | -0.47% | DTI is within 3% variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626639 | Original CLTV Ratio Percent | 62.581% | 62.580% | 0.001% | 0.00% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626639 | Original Standard LTV (OLTV) | 62.581% | 62.580% | 0.001% | 0.00% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626639 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626640 | Borrower DTI Ratio Percent | 42.676% | 49.972% | -7.296% | -7.30% | The DTI Ratio 42.676% The total monthly debt of $1706.11 divided by the monthly income of 3997.84 (includes rental income of $633.75) | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626640 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626641 | Borrower DTI Ratio Percent | 34.442% | 34.821% | -0.379% | -0.38% | Minor Variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626642 | Borrower DTI Ratio Percent | 44.930% | 44.693% | 0.237% | 0.24% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626642 | Original CLTV Ratio Percent | 75.966% | 75.970% | -0.004% | -0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626642 | Original Standard LTV (OLTV) | 75.966% | 75.970% | -0.004% | -0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626643 | Borrower DTI Ratio Percent | 25.401% | 0.000% | 25.401% | 25.40% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626643 | Original CLTV Ratio Percent | 50.331% | 50.330% | 0.001% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626643 | Original Standard LTV (OLTV) | 50.331% | 50.330% | 0.001% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626644 | Borrower DTI Ratio Percent | 59.487% | 59.894% | -0.407% | -0.41% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626644 | Original CLTV Ratio Percent | 80.952% | 80.950% | 0.002% | 0.00% | Rounding | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626644 | Original Standard LTV (OLTV) | 80.952% | 80.950% | 0.002% | 0.00% | Based on the loan amount and appraised value, the LTV is 80.952% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626644 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | Refinance transaction, n/a | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626645 | Borrower DTI Ratio Percent | 18.484% | 18.131% | 0.353% | 0.35% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626645 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | One and the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626645 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | One in the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626646 | Borrower DTI Ratio Percent | 28.284% | 37.674% | -9.390% | -9.39% | Debts and incomes have been verified with documentation on file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626649 | Borrower DTI Ratio Percent | 38.404% | 45.442% | -7.038% | -7.04% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626651 | Borrower DTI Ratio Percent | 31.799% | 34.027% | -2.228% | -2.23% | As per document. No Issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626652 | Borrower DTI Ratio Percent | 35.280% | 39.314% | -4.034% | -4.03% | Used Sch C income for 2 yrs by total debts | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626653 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626653 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626654 | Borrower First Name | XXXXXXXX | XXXXXXXX |  |  | The Note and 1003 indicate the borrower's name is Jonathan. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626655 | Borrower DTI Ratio Percent | 15.463% | 15.342% | 0.121% | 0.12% | Slight discrepancy with the calculation of the borrowers income | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626656 | Borrower DTI Ratio Percent | 45.309% | 46.645% | -1.336% | -1.34% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626657 | Borrower DTI Ratio Percent | 34.380% | 36.798% | -2.418% | -2.42% | Debt Ratio is under 3% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626658 | Borrower DTI Ratio Percent | 48.592% | 45.412% | 3.180% | 3.18% | income and assets verified along with debts | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626660 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626660 | Borrower DTI Ratio Percent | 42.711% | 44.404% | -1.693% | -1.69% | No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626662 | Borrower DTI Ratio Percent | 34.047% | 34.020% | 0.027% | 0.03% | The subject property taxes were improperly calculated at origination | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626664 | Borrower DTI Ratio Percent | 54.801% | 43.903% | 10.898% | 10.90% | Max DTI is 60% per product. Variance is greater than 3% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626665 | Borrower DTI Ratio Percent | 28.203% | 28.692% | -0.489% | -0.49% | The DTI Ratio is 29.174% based on the credit and income documentation in file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626666 | Borrower DTI Ratio Percent | 42.925% | 46.726% | -3.801% | -3.80% | The final 1008 included the payment for the tax lien that was paid at closing. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626666 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626667 | Borrower DTI Ratio Percent | 37.170% | 95.762% | -58.592% | -58.59% | Per tax returns in file, the borrower has a monthly income of $3424. The DTI is 37% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626668 | Borrower #2 First Name | XXXXXXXX | XXXXXXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626668 | Borrower DTI Ratio Percent | 27.028% | 39.716% | -12.688% | -12.69% | The borrowers primary mortgage was paid off in full prior to closing therefore only the taxes and insurance for the property were included in the ratio calculation. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626668 | Lifetime Downward Rate Change Cap | 0.250% | 2.750% | -2.500% | -2.50% | Lifetime Downward Rate Change Cap is 0.25%, based on the minimum rate is 2.75%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626669 | Borrower DTI Ratio Percent | 42.040% | 41.923% | 0.117% | 0.12% | Within 1% tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626670 | Borrower DTI Ratio Percent | 46.867% | 43.979% | 2.888% | 2.89% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626671 | Borrower DTI Ratio Percent | 46.866% | 48.370% | -1.504% | -1.50% | DTI is within 3% variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626671 | Original CLTV Ratio Percent | 93.436% | 93.440% | -0.004% | -0.00% | Based on the loan amount and appraised value, the CLTV is 93.436%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626671 | Original Standard LTV (OLTV) | 93.436% | 93.440% | -0.004% | -0.00% | Based on the loan amount and appraised value, the CLTV is 93.436%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626672 | Borrower DTI Ratio Percent | 34.099% | 32.849% | 1.250% | 1.25% | The DTI Ratio Percent is 34.099%; The total monthly debt of $762.91 divided by the monthly income of $2237.34 | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626673 | Borrower #2 First Name | XXXXXXXX | XXXXXXXX |  |  | Borrower #2 first name is XXXXXX, based on the application. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626673 | Borrower DTI Ratio Percent | 41.321% | 41.619% | -0.298% | -0.30% | DTI is within 3% variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626673 | Original CLTV Ratio Percent | 62.581% | 62.582% | -0.001% | -0.00% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626674 | Borrower DTI Ratio Percent | 39.330% | 40.312% | -0.982% | -0.98% | Within 3% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626675 | Borrower DTI Ratio Percent | 45.373% | 39.072% | 6.301% | 6.30% | An additional student loan was on the XX/XX/XXXX credit report. Including the account payment in the ratios caused the DTI to increase. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626676 | Borrower DTI Ratio Percent | 48.548% | 15.505% | 33.043% | 33.04% | DTI per income documentation in loan file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626676 | Lifetime Downward Rate Change Cap | 0.125% | 2.750% | -2.625% | -2.63% | Lifetime downward rate change cap is 0.125%, based on the Min Rate First Adjustment of 2.75% from the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626677 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626677 | Borrower DTI Ratio Percent | 48.326% | 48.400% | -0.074% | -0.07% | Per income and debts provided. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626677 | Original CLTV Ratio Percent | 84.381% | 85.000% | -0.619% | -0.62% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626677 | Original Standard LTV (OLTV) | 84.381% | 85.000% | -0.619% | -0.62% | Based on the loan amount and appraised value, the LTV is 84.381%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626678 | Borrower DTI Ratio Percent | 49.876% | 41.100% | 8.776% | 8.78% | Variance in review income calculation using tax returns in file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626678 | Original CLTV Ratio Percent | 89.990% | 90.000% | -0.010% | -0.01% | No issue - rounding variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626678 | Original Standard LTV (OLTV) | 89.990% | 90.000% | -0.010% | -0.01% | Based on the loan amount and sales price, the LTV is 89.990%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626679 | Borrower DTI Ratio Percent | 44.692% | 44.877% | -0.185% | -0.19% | DTI 37.911%, does not include authorized user tradeline. Tape data does not match 1008 DTI of 38.695% which includes authorized user tradeline. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626680 | Borrower DTI Ratio Percent | 41.570% | 41.572% | -0.002% | -0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626681 | Borrower DTI Ratio Percent | 35.863% | 36.078% | -0.215% | -0.22% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626682 | Borrower DTI Ratio Percent | 59.096% | 43.767% | 15.329% | 15.33% | Debt includes vehicle payment presented as undisclosed debt. This increased the Debt to Income ratio, however, the ratio is still within guideline requirements. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626684 | Borrower DTI Ratio Percent | 52.851% | 47.331% | 5.520% | 5.52% | Review calculated DTI at 51.952% due to lower income calculations. Within guideline maximum of 55%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626684 | Property Address Street | XXX XXXXXX XXX | XXX XXXXXX XXX |  |  | Property is XX XXXXXXXXXX XXX based on the appraisal report, mortgage and legal description. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626685 | Borrower DTI Ratio Percent | 38.451% | 40.219% | -1.768% | -1.77% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626686 | Borrower DTI Ratio Percent | 40.935% | 44.606% | -3.671% | -3.67% | The system is matching the income and debt on the final 1003.Unable to determine why there is almost a 4% gap. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626686 | Representative Score | 704 | 706 | -2 | -0.28% | Per the credit report | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626687 | Borrower DTI Ratio Percent | 33.765% | 43.771% | -10.006% | -10.01% | The consumer debt is $3,840.50 and rent loss of $879.57. The collection was removed from the liabilities and did not affect title or was required to be paid. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626688 | Borrower DTI Ratio Percent | 34.653% | 34.585% | 0.068% | 0.07% | With variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626688 | Representative Score | 654 | 655 | -1 | -0.15% | Within variance per credit report in file score is 654 | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626689 | Borrower DTI Ratio Percent | 36.930% | 35.216% | 1.714% | 1.71% | Borrower debt calculation at origination did not include the Solar Panel agreement monthly payment. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626690 | Borrower DTI Ratio Percent | 54.208% | 48.696% | 5.512% | 5.51% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626692 | Borrower DTI Ratio Percent | 53.486% | 49.652% | 3.834% | 3.83% | Discrepancy in borrower income and debt calculations; within XXXX guideline requirements. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626693 | Borrower DTI Ratio Percent | 28.696% | 37.170% | -8.474% | -8.47% | Within variance | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626693 | Borrower First Name | XXXXXXXX | XXXXXXXX |  |  | Borrower first name is XXXXXXX, based on the application. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626694 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626694 | Borrower DTI Ratio Percent | 56.043% | 44.766% | 11.277% | 11.28% | Debt is verified with credit report on file, excluded installment debts with less than 12 payments per XXXX guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626695 | Borrower DTI Ratio Percent | 38.738% | 38.669% | 0.069% | 0.07% | The XXXXX XXXXX revolving debt had a zero balance when the revised credit was ran dated XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626696 | Borrower DTI Ratio Percent | 48.544% | 48.401% | 0.143% | 0.14% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626696 | Original CLTV Ratio Percent | 82.217% | 76.814% | 5.403% | 5.40% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626696 | Original Standard LTV (OLTV) | 82.217% | 76.814% | 5.403% | 5.40% | Based on the loan amount and appraised value, the LTV is 82.217%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626697 | Borrower DTI Ratio Percent | 37.309% | 37.305% | 0.004% | 0.00% | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626697 | Original CLTV Ratio Percent | 79.365% | 80.000% | -0.635% | -0.64% | Based on the loan amount and appraised value, the CLTV is 79.365%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626697 | Original Standard LTV (OLTV) | 79.365% | 80.000% | -0.635% | -0.64% | Based on the loan amount and appraised value, the LTV is 79.365%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626697 | Property Postal Code | XXXXX | XXXXX |  |  | According to the appraisal, the property postal code is XXXXX. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626697 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | no issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626698 | Borrower DTI Ratio Percent | 58.643% | 40.697% | 17.946% | 17.95% | Audit recalculated income for both disability ($6,944/month) and social security income ($3,008.20/month). Per, the disability agreement states that any additional income the borrower is eligible to receive is to be deducted from the monthly disability income. (Pg. 258) XXX XXXXX Disability 60% of predisability earnings. Benefit was calculated by 60% of earnings of $11,573.47 per month. Gross benefit of $6,944/Mo. Originator qualified using the full amount of disability. The bank statements on file support the disability income being reduced by the amount of the social security. SSI $3,008.20 deducted from disability income $6,944. Bank statements reflects Net deposit to borrower account $3,031.00+ $944 adding back tax withheld. Total combined income $6983.20. As a result, DTI increased to 58.64%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626698 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626699 | Borrower DTI Ratio Percent | 42.230% | 41.260% | 0.970% | 0.97% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626699 | Original CLTV Ratio Percent | 70.000% | 69.990% | 0.010% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626699 | Original Standard LTV (OLTV) | 70.000% | 69.990% | 0.010% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626700 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626700 | B2 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626700 | Borrower DTI Ratio Percent | 39.182% | 37.747% | 1.435% | 1.44% | DTI ratio 39.182%, difference of 1.435% is due to lower income calculation. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626700 | Original CLTV Ratio Percent | 94.534% | 94.530% | 0.004% | 0.00% | CLTV 95.534% calculated from sales price and loan amount. No 2nd mortgage. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626700 | Original Standard LTV (OLTV) | 94.534% | 94.530% | 0.004% | 0.00% | Based on the loan amount and sales price, the LTV is 94.534%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626701 | Original CLTV Ratio Percent | 89.955% | 73.230% | 16.725% | 16.73% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626701 | Original Standard LTV (OLTV) | 73.239% | 73.230% | 0.009% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626702 | Borrower DTI Ratio Percent | 58.472% | 43.048% | 15.424% | 15.42% | The DTI Ratio is 58.472% The total monthly debt of $3304.07 divided by the monthly income of $5670.65 | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626702 | Original CLTV Ratio Percent | 69.741% | 69.740% | 0.001% | 0.00% | One in the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626702 | Original Standard LTV (OLTV) | 69.741% | 69.740% | 0.001% | 0.00% | Based on the loan amount and appraised value, the LTV is 69.741%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626702 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626703 | Borrower DTI Ratio Percent | 21.785% | 20.545% | 1.240% | 1.24% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626703 | MI Coverage Amount | Not Applicable | 25.000% |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626703 | Original CLTV Ratio Percent | 85.067% | 85.060% | 0.007% | 0.01% | Based on the loan amount and appraised value, the CLTV is 85.067%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626703 | Original Standard LTV (OLTV) | 85.067% | 85.060% | 0.007% | 0.01% | Based on the loan amount and appraised value, the LTV is 85.067%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626704 | Borrower DTI Ratio Percent | 33.243% | 30.267% | 2.976% | 2.98% | The DTI Ratio is 33.243%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626704 | Original CLTV Ratio Percent | 76.585% | 76.580% | 0.005% | 0.01% | Based on the loan amount and appraised value, the CLTV is 76.585%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626704 | Original Standard LTV (OLTV) | 76.585% | 76.580% | 0.005% | 0.01% | Based on the loan amount and appraised value, the LTV is 76.585%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626704 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is n/a. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626705 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626705 | Borrower DTI Ratio Percent | 48.507% | 42.091% | 6.416% | 6.42% | Debt to income ratio is verified with credit report and income on file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626706 | Original CLTV Ratio Percent | 74.061% | 74.060% | 0.001% | 0.00% | One and the same - rounding | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626706 | Original Standard LTV (OLTV) | 74.061% | 74.060% | 0.001% | 0.00% | One and the same - rounding | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626706 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626708 | Original CLTV Ratio Percent | 77.645% | 77.640% | 0.005% | 0.01% | One and the same. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626708 | Original Standard LTV (OLTV) | 77.645% | 77.640% | 0.005% | 0.01% | Based on the loan amount and appraised value, the LTV is 77.645%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626708 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626709 | Original CLTV Ratio Percent | 73.125% | 73.120% | 0.005% | 0.01% | One and the same - rounding | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626709 | Original Standard LTV (OLTV) | 73.125% | 73.120% | 0.005% | 0.01% | One and the same - rounding | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626709 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626710 | Borrower DTI Ratio Percent | 37.556% | 37.557% | -0.001% | -0.00% | Rounding. No issues. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626710 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | N/A | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626711 | Borrower DTI Ratio Percent | 49.064% | 49.238% | -0.174% | -0.17% | 49.064% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626711 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | NA | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626713 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626713 | Borrower DTI Ratio Percent | 37.636% | 39.206% | -1.570% | -1.57% | Per the income and debt documents. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626713 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | -31 (Days) |  | First payment date listed on Note shows XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626713 | Original CLTV Ratio Percent | 64.516% | 64.510% | 0.006% | 0.01% | Based on the loan amount and appraised value, the CLTV is 64.516%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626713 | Original Standard LTV (OLTV) | 64.516% | 64.510% | 0.006% | 0.01% | One and the same | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626713 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  | The sales price is "n/a." | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626715 | Borrower DTI Ratio Percent | 31.030% | 31.430% | -0.400% | -0.40% | No issue - .4% variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626716 | Borrower DTI Ratio Percent | 49.750% | 41.865% | 7.885% | 7.88% | The audit did not include the rental income. The leases were old and it was the Borrower to the Business. No rental income on tax returns. Meets lender guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626717 | Borrower DTI Ratio Percent | 11.335% | 11.317% | 0.018% | 0.02% | No issue - .018% variance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626718 | Borrower DTI Ratio Percent | 31.198% | 31.745% | -0.547% | -0.55% | The PITI is the same. The rent for Borrower 1 & 2 is $2,600. (page 206) | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626719 | Borrower DTI Ratio Percent | 39.336% | 40.365% | -1.029% | -1.03% | The back debt is the same. This is a rounding issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626719 | Original CLTV Ratio Percent | 95.000% | 98.800% | -3.800% | -3.80% | Based on the loan amount and sales price, the CLTV is 95.000%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626721 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626722 | Borrower DTI Ratio Percent | 48.363% | 46.692% | 1.671% | 1.67% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626723 | Borrower DTI Ratio Percent | 47.830% | 47.835% | -0.005% | -0.01% | Per the income and debt documents | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626724 | Borrower DTI Ratio Percent | 43.777% | 47.884% | -4.107% | -4.11% | Per the income and debt documents | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626725 | Borrower DTI Ratio Percent | 46.923% | 45.320% | 1.603% | 1.60% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626727 | Borrower DTI Ratio Percent | 32.387% | 33.546% | -1.159% | -1.16% | Per the income and debt documents. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626727 | Property City | XXXXXXXXX | XXXXXXXX |  |  | The property city is XXXXXXX, based on the appraisal report and the note. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626727 | Representative Score | 684 | 667 | 17 | 2.55% | Per the OCR, on page 483 | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626728 | Borrower DTI Ratio Percent | 51.412% | 51.443% | -0.031% | -0.03% | This is based off the $7 difference in come. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626729 | Borrower DTI Ratio Percent | 43.690% | 41.353% | 2.337% | 2.34% | 43.690% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626730 | Borrower DTI Ratio Percent | 31.320% | 32.816% | -1.496% | -1.50% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626732 | Borrower DTI Ratio Percent | 44.556% | 42.983% | 1.573% | 1.57% | Per the income and debt documents | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626732 | Lifetime Downward Rate Change Cap | 0.000% | 2.750% | -2.750% | -2.75% | Lifetime downward rate change cap is 0.000%, based on the minimum rate of 2.75%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626733 | Borrower DTI Ratio Percent | 46.225% | 48.344% | -2.119% | -2.12% | Per the income and debt documents - within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626734 | Borrower DTI Ratio Percent | 26.628% | 27.000% | -0.372% | -0.37% | The difference is $60.67 with job income and gross net rent. Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626735 | Borrower DTI Ratio Percent | 45.598% | 43.900% | 1.698% | 1.70% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626736 | Borrower DTI Ratio Percent | 26.505% | 29.000% | -2.495% | -2.50% | It appears the taxes and insurance of the primary was not included per the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626737 | Borrower DTI Ratio Percent | 38.879% | 38.700% | 0.179% | 0.18% | Within 3% tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626737 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626738 | Borrower DTI Ratio Percent | 41.831% | 42.650% | -0.819% | -0.82% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626739 | Borrower DTI Ratio Percent | 33.810% | 32.500% | 1.310% | 1.31% | Within 3% tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626739 | Original CLTV Ratio Percent | 65.468% | 66.000% | -0.532% | -0.53% | Based on the loan amount and appraised value, the CLTV is 65.468%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626739 | Original Standard LTV (OLTV) | 65.468% | 66.000% | -0.532% | -0.53% | Based on the loan amount and appraised value, the LTV is 65.468%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626740 | B1 SSN | XXX-XX-XXXX | XXX-XX-XXXX |  |  | The SSI on page 616 of the 1003 and credit on page 75 start with 8 and not 6. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626740 | Borrower DTI Ratio Percent | 20.336% | 20.215% | 0.121% | 0.12% | The audit income from Schedule C was $30.42 difference. No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626740 | Borrower Last Name | XXXXXXXX | XXXXXXXX |  |  | According to the Title on page 360, the last name is XXXXXX XXXX with no hyphen. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626741 | Borrower DTI Ratio Percent | 44.410% | 44.463% | -0.053% | -0.05% | Per the income and debt documents | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626742 | Borrower DTI Ratio Percent | 48.511% | 50.506% | -1.995% | -2.00% | The audit income was $113.73 more than the 1008. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626743 | Borrower DTI Ratio Percent | 22.970% | 26.071% | -3.101% | -3.10% | Based off the last credit report of 10/14/21 on page 798, the revised total debt is $1,000. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626744 | Borrower DTI Ratio Percent | 32.792% | 35.419% | -2.627% | -2.63% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626744 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626745 | Borrower DTI Ratio Percent | 48.499% | 28.357% | 20.142% | 20.14% | Verified on the income documentation in the file. Review used the income from the pay stubs and W2s in the file of $3718.03/month, AUS used the projected income from the borrower's new employment from an offer letter in the file (pg 200) of $6500/month, however the projected start date is after the loan was originated therefore the lower income was used to qualify. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626746 | Borrower DTI Ratio Percent | 34.783% | 34.965% | -0.182% | -0.18% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626749 | Borrower DTI Ratio Percent | 43.030% | 47.327% | -4.297% | -4.30% | The HOA was added for $7.08. The additional $XXX.XX income difference proved the DTI. The XXXXXX debt was medical and removed from the DTI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626749 | Original CLTV Ratio Percent | 48.982% | 49.000% | -0.018% | -0.02% | The value used is $275,000 and the loan amount of $134,700 which equates to 48.982%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626749 | Original Standard LTV (OLTV) | 48.982% | 49.000% | -0.018% | -0.02% | This is a rounding issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626749 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626750 | Borrower DTI Ratio Percent | 40.640% | 52.814% | -12.174% | -12.17% | The XXX auto was less than 10 payments and removed from the DTI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626750 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626751 | Borrower DTI Ratio Percent | 37.779% | 33.495% | 4.284% | 4.28% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626752 | Borrower DTI Ratio Percent | 35.659% | 36.417% | -0.758% | -0.76% | The difference is from the Application Fee paid at closing. The $25 monthly fee from the 1003 was removed. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626752 | Original CLTV Ratio Percent | 58.325% | 58.320% | 0.005% | 0.01% | Based on the loan amount and appraised value, the LTV/CLTV is 58.325%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626752 | Original Standard LTV (OLTV) | 58.325% | 58.320% | 0.005% | 0.01% | Based on the loan amount and appraised value, the LTV/CLTV is 58.325%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626752 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626753 | Borrower DTI Ratio Percent | 39.603% | 41.588% | -1.985% | -1.99% | Per the income and debt documents | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626753 | MI Coverage Amount | Not Applicable | 35.000% |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626753 | Original CLTV Ratio Percent | 96.978% | 96.970% | 0.008% | 0.01% | No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626753 | Original Note Doc Date | XX/XX/XXXX | XX/XX/XXXX | 1 (Days) |  | Per the subject note, on page 354 | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626753 | Original Standard LTV (OLTV) | 96.978% | 96.970% | 0.008% | 0.01% | Per the subject loan amount $XXX,XXX and value used $XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626753 | QM Status 2 | Non-QM/Compliant | Non-QM/Non-Compliant |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626754 | Borrower DTI Ratio Percent | 40.959% | 39.427% | 1.532% | 1.53% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626754 | Lifetime Downward Rate Change Cap | 0.500% | 2.000% | -1.500% | -1.50% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626755 | Borrower DTI Ratio Percent | 53.765% | 51.955% | 1.810% | 1.81% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626755 | Original CLTV Ratio Percent | 59.284% | 60.000% | -0.716% | -0.72% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626755 | Original Standard LTV (OLTV) | 59.284% | 60.000% | -0.716% | -0.72% | No issue | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626755 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626756 | Borrower DTI Ratio Percent | 42.727% | 44.011% | -1.284% | -1.28% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626757 | Borrower DTI Ratio Percent | 40.915% | 48.356% | -7.441% | -7.44% | The 1008 reflected taxes for the subject of $372.29 but the final CD show $21.08 per month. This decreased the DTI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626758 | Borrower DTI Ratio Percent | 39.145% | 48.150% | -9.005% | -9.01% | Verified on the documentation in the file, the DTI is 39.145%. Lender did not include the full rental income from the subject property and other investment property, which was calculated from the tax returns provided in the file. Lease agreements also provided. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626758 | Original CLTV Ratio Percent | 74.306% | 75.000% | -0.694% | -0.69% | Based on the loan amount and appraised value, the LTV/CLTV is 74.306%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626758 | Original Standard LTV (OLTV) | 74.306% | 75.000% | -0.694% | -0.69% | Based on the loan amount and appraised value, the LTV/CLTV is 74.306%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626759 | Borrower DTI Ratio Percent | 49.839% | 49.816% | 0.023% | 0.02% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626760 | Borrower DTI Ratio Percent | 49.854% | 49.783% | 0.071% | 0.07% | Per the income and debt documents | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626760 | Original CLTV Ratio Percent | 78.085% | 78.080% | 0.005% | 0.01% | Based on the loan amount and appraised value, the LTV/CLTV is 78.085%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626760 | Original Standard LTV (OLTV) | 78.085% | 78.080% | 0.005% | 0.01% | Based on the loan amount and appraised value, the LTV/CLTV is 78.085%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626760 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626761 | Borrower DTI Ratio Percent | 39.832% | 40.295% | -0.463% | -0.46% | The audit income was $129.87 more than the 1008 and the appraisal fee was paid. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626762 | Borrower DTI Ratio Percent | 41.073% | 41.084% | -0.011% | -0.01% | This is a rounding issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626762 | Original CLTV Ratio Percent | 66.571% | 66.570% | 0.001% | 0.00% | Based on the loan amount and appraised value, the CLTV is 66.571%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626762 | Original Standard LTV (OLTV) | 66.571% | 66.570% | 0.001% | 0.00% | Based on the loan amount and appraised value, the LTV is 66.571%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626762 | Sales Price (HUD-1 Line 101) | Not Applicable | $0.00 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626763 | Borrower DTI Ratio Percent | 34.762% | 32.483% | 2.279% | 2.28% | The audit used 1% of the balance for the student loans. The 1003 indicated less. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626764 | Borrower DTI Ratio Percent | 40.481% | 39.468% | 1.013% | 1.01% | Per the income and debts | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626766 | Borrower DTI Ratio Percent | 31.760% | 32.025% | -0.265% | -0.27% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626766 | Representative Score | Unavailable | 0 |  |  |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626768 | Borrower DTI Ratio Percent | 42.552% | 44.999% | -2.447% | -2.45% | Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626769 | Borrower DTI Ratio Percent | 43.506% | 38.190% | 5.316% | 5.32% | The base salary was the same. The business income loss was the difference. In addition the primary mortgage payment was added back to the DTI because the loan did not contain evidence the property was sold and the credit supplement still had a balance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626769 | Lifetime Downward Rate Change Cap | -0.375% | 2.750% | -3.125% | -3.13% | Page 49 of the Note reflects the rate change never greater than 7.375 or less than 2.750%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626770 | Borrower DTI Ratio Percent | 38.472% | 43.392% | -4.920% | -4.92% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626771 | Borrower DTI Ratio Percent | 24.424% | 49.158% | -24.734% | -24.73% | The total net rent including the subject is $4,825.14. The back debt is $640. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626775 | Borrower DTI Ratio Percent | 21.111% | 19.312% | 1.799% | 1.80% | Rounding. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626776 | Borrower DTI Ratio Percent | 40.817% | 41.240% | -0.423% | -0.42% | The consumer debt is $2,208. The rent loss before subject is $562.91. The primary is $2,483.82, total audit income is $17,812.22. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626777 | Borrower DTI Ratio Percent | 35.918% | 41.930% | -6.012% | -6.01% | The total audit income is $4,091.72 and the total monthly debt is $1,469.65. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626778 | Borrower DTI Ratio Percent | 55.603% | 43.718% | 11.885% | 11.89% | No evidence of payment for the Fed Loan EDU student loan and 1% of the balance or $872.59 was used for a monthly payment. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626778 | Original CLTV Ratio Percent | 102.290% | 1.023% | 101.267% | 101.27% | Based on the loan amount and appraised value, the CLTV is 102.290%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626779 | Borrower DTI Ratio Percent | 34.953% | 35.449% | -0.496% | -0.50% | Lender miscalculated 2nd home monthly escrow payment by including the HOI $85.67 monthly payment twice. Audit recalculate excluding the double payment. Audit DTI 34.95%. No issues. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626780 | Original CLTV Ratio Percent | 100.880% | 1.009% | 99.871% | 99.87% | Per the AUS on page 73 the CLTV was 101.00%. Per the 1008, on page 17, the CLTV was 100.880%. The audit CLTV is 100.88%. No issue. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626783 | Borrower DTI Ratio Percent | 77.494% | 45.121% | 32.373% | 32.37% | Originator calculated income $4,906.78 base on XXXX & XXXX Sch C Tax returns resulting in a DTI of 45.12%. Audit recalculates borrower income using XXXX Sch C income of $30,923.64/12 $2,576.97. Borrower XXXX Sch C returns show a significant increase in income from prior year. Loan file did not contained evidence of XXXX tax transcript been filed. Audit recalculated income resulting in a Housing ratio 59.40%, DTI 77.50%. Max DTI allowed 55% per XXXX GLS. Lender to provide XXXX 1040 Tax Transcript supporting Sch C income of$72,059.00/Yr. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626784 | Borrower DTI Ratio Percent | 41.841% | 40.208% | 1.633% | 1.63% | The consumer debt is $1,949 because the XXXXX XXX XXXX XXX account is paid page 332. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626785 | MI Coverage Amount | Not Applicable | 30.000% |  |  | Not required | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626786 | Borrower DTI Ratio Percent | 42.074% | 49.874% | -7.800% | -7.80% | per AUS DTI 42.19% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626787 | Borrower DTI Ratio Percent | 44.235% | 44.360% | -0.125% | -0.13% | Rounding. No issues | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626788 | Borrower DTI Ratio Percent | 34.215% | 35.050% | -0.835% | -0.83% | The total income is $48,619.98 and total monthly debt is $16,635.33. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626789 | Borrower DTI Ratio Percent | 28.092% | 27.914% | 0.178% | 0.18% | The total income is $18,333.47. The total monthly debt is $5,150.27. Within tolerance. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626793 | Borrower DTI Ratio Percent | 58.390% | 37.955% | 20.435% | 20.43% | Lower audit income results in a DTI of 65.234% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626794 | Borrower DTI Ratio Percent | 42.902% | 41.586% | 1.316% | 1.32% | Income calculation was lower not using bonus income caused higher DTI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626796 | Borrower DTI Ratio Percent | 43.822% | 49.000% | -5.178% | -5.18% | Higher audit income results in a DTI of 43.822% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626797 | Borrower DTI Ratio Percent | 50.465% | 48.380% | 2.085% | 2.09% | Lower audit income results in a DTI of 50.465% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626797 | Original CLTV Ratio Percent | 68.953% | 68.950% | 0.003% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626797 | Original Standard LTV (OLTV) | 68.953% | 68.950% | 0.003% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626798 | Borrower DTI Ratio Percent | 45.934% | 44.650% | 1.284% | 1.28% | Lower audit income results in a DTI of 45.934% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626798 | Original CLTV Ratio Percent | 54.795% | 55.000% | -0.205% | -0.20% | The loan amount of $XXX,XXX and appraised value of $XXX,XXX results in an LTV/CLTV of 54.795% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626798 | Original Standard LTV (OLTV) | 54.795% | 55.000% | -0.205% | -0.20% | The loan amount of $XXX,XXX and appraised value of $XXX,XXX results in an LTV/CLTV of 54.795% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626799 | Borrower DTI Ratio Percent | 44.119% | 44.000% | 0.119% | 0.12% | Audit DTI is lower due to lower back debt. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626799 | Original CLTV Ratio Percent | 70.866% | 70.860% | 0.006% | 0.01% | Loan amount of $XXX,XXX and value of $XXX,XXX results in an LTV/CLTV of 70.866% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626799 | Original Standard LTV (OLTV) | 70.866% | 70.860% | 0.006% | 0.01% | Loan amount of $XXX,XXX and value of $XXX,XXX results in an LTV/CLTV of 70.866% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626799 | Representative Score | 723 | 701 | 22 | 3.14% | Per 2019 guidelines, the higher of the two borrowers is representative, which is 723 | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626800 | Borrower DTI Ratio Percent | 34.023% | 29.220% | 4.803% | 4.80% | Lower audit income results in a DTI of 34.023% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626800 | Representative Score | 755 | 734 | 21 | 2.86% | XXXX guidelines state the higher score of the two borrowers is the representative score, which is 755 | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626801 | Borrower DTI Ratio Percent | 37.905% | 39.460% | -1.555% | -1.55% | Higher audit income results in a DTI of 37.905% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626801 | Lifetime Downward Rate Change Cap | 4.000% | 2.750% | 1.250% | 1.25% | According to the Note, the lifetime downward rate change cap is 4%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626802 | Borrower DTI Ratio Percent | 33.543% | 45.000% | -11.457% | -11.46% | DTI was lower due to higher income determined. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626803 | Borrower DTI Ratio Percent | 48.143% | 50.000% | -1.857% | -1.86% | Total DTI is less at review. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626803 | Original CLTV Ratio Percent | 70.000% | 69.990% | 0.010% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626803 | Original Standard LTV (OLTV) | 70.000% | 69.990% | 0.010% | 0.01% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626804 | Borrower DTI Ratio Percent | 51.300% | 50.000% | 1.300% | 1.30% | Ratios were slightly higher due to lower income at review. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626805 | Borrower DTI Ratio Percent | 40.477% | 49.230% | -8.753% | -8.75% | DTI is lower due to higher income. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626806 | Borrower DTI Ratio Percent | 43.122% | 47.340% | -4.218% | -4.22% | Income was slightly higher at audit making DTI lower. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626807 | Borrower DTI Ratio Percent | 50.569% | 45.870% | 4.699% | 4.70% | Debts were higher than at origination. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626808 | Borrower DTI Ratio Percent | 37.003% | 34.750% | 2.253% | 2.25% | Ratio based on income and debts listed was 37.003%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626809 | Borrower DTI Ratio Percent | 51.291% | 50.000% | 1.291% | 1.29% | DTI is based on lower income for Borrower 2. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626810 | Borrower DTI Ratio Percent | 55.680% | 52.810% | 2.870% | 2.87% | Income determined at audit was lower at $8594.27 resulting in a higher DTI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626810 | Original CLTV Ratio Percent | 27.835% | 28.000% | -0.165% | -0.17% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626810 | Original Standard LTV (OLTV) | 27.835% | 28.000% | -0.165% | -0.17% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626811 | Borrower DTI Ratio Percent | 27.135% | 37.110% | -9.975% | -9.97% | Rental information not fully determined. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626812 | Borrower DTI Ratio Percent | 48.193% | 48.566% | -0.373% | -0.37% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626813 | Borrower DTI Ratio Percent | 40.635% | 40.263% | 0.372% | 0.37% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626814 | Borrower DTI Ratio Percent | 44.149% | 41.154% | 2.995% | 3.00% | The DTI is 44.149% which is acceptable per guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626814 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -1.54% | The appraised value on the appraisal report is $640,000. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626814 | Original CLTV Ratio Percent | 44.219% | 43.530% | 0.689% | 0.69% | The CLTV based off the appraised value was 44.219%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626814 | Original Standard LTV (OLTV) | 44.219% | 43.540% | 0.679% | 0.68% | The OLTC was based off the appraised value and was 44.219%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626815 | Borrower DTI Ratio Percent | 48.506% | 49.975% | -1.469% | -1.47% | SE income determined to be slightly higher at audit. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626816 | Borrower DTI Ratio Percent | 48.242% | 54.426% | -6.184% | -6.18% | Borrower paid off three debts at closing and 12 months review of S Corp resulted in a 48.2% DTI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626817 | Borrower DTI Ratio Percent | 42.851% | 49.000% | -6.149% | -6.15% | Borrowers income was higher resulting in lower DTI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626818 | Borrower DTI Ratio Percent | 46.886% | 44.056% | 2.830% | 2.83% | Higher debt results in a DTI of 46.886% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626818 | Original CLTV Ratio Percent | 72.612% | 72.610% | 0.002% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626818 | Original Standard LTV (OLTV) | 72.612% | 72.610% | 0.002% | 0.00% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626820 | Borrower DTI Ratio Percent | 28.756% | 27.050% | 1.706% | 1.71% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626820 | Original CLTV Ratio Percent | 76.667% | 77.000% | -0.333% | -0.33% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626820 | Original Standard LTV (OLTV) | 76.667% | 77.000% | -0.333% | -0.33% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626821 | Borrower DTI Ratio Percent | 36.563% | 41.810% | -5.247% | -5.25% | Higher audit income and lower audit debt per credit refresh results in a DTI of 36.563% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626821 | Original CLTV Ratio Percent | 80.118% | 80.120% | -0.002% | -0.00% | The CLTV is loan amount ($228255) divided by value used by lender ($280000). The CLTV is 81.520%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626821 | Original Standard LTV (OLTV) | 80.118% | 80.120% | -0.002% | -0.00% | The LTV is loan amount ($228255) divided by value used by lender ($280000). The CLTV is 81.520%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626822 | Borrower DTI Ratio Percent | 49.891% | 31.043% | 18.848% | 18.85% | Audit DTI is 66.522% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626823 | Borrower DTI Ratio Percent | 27.802% | 27.800% | 0.002% | 0.00% | Audit DTI is 27.802% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626824 | Borrower DTI Ratio Percent | 46.386% | 44.000% | 2.386% | 2.39% | Lower audit income results in a DTI of 46.386% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626825 | Borrower DTI Ratio Percent | 55.506% | 47.700% | 7.806% | 7.81% | Audit DTI is 47.696% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626825 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | 30 (Days) |  | Per the Note, the first payment date is XX/XX/XXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626826 | Borrower DTI Ratio Percent | 52.891% | 42.000% | 10.891% | 10.89% | Inclusive of the co-borrowers rent in the housing expense, the DTI is 52.891% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626826 | Number Of Units | 1 | 3 | -2 | -66.67% | The subject is a 3 family PUD which is what was input. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626826 | Representative Score | 808 | 797 | 11 | 1.38% | Per guidelines, the higher of the two borrowers qualifying score is used, which is 808. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626828 | Borrower DTI Ratio Percent | 55.219% | 56.670% | -1.451% | -1.45% | Higher audit income results in a DTI of 55.219% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626828 | Borrower Last Name | XXXXXXXX | XXXXXXXX |  |  | The borrower's last name is XXXXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626828 | Original CLTV Ratio Percent | 65.465% | 65.460% | 0.005% | 0.01% | The LTV/CLTV is base loan amount ($XXX,XXX) divided by value used by lender ($XXX,XXX). The CLTV is 65.465%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626828 | Original Standard LTV (OLTV) | 65.465% | 65.460% | 0.005% | 0.01% | The LTV/CLTV is base loan amount ($XXX,XXX) divided by value used by lender ($XXX,XXX). The CLTV is 65.465%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626828 | Representative Score | 763 | 649 | 114 | 17.57% | XXXX guidelines state when multiple borrowers, the highest applicable score from the group of borrowers is the representative score. The qualifying score is 763. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626830 | Borrower DTI Ratio Percent | 53.881% | 49.000% | 4.881% | 4.88% | Due to lower income determined at audit, the DTI increased. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626832 | Representative Score | 797 | 668 | 129 | 19.31% | Middle scores are 668/797 with qualifying score of 797 per guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626833 | Occupancy at Origination (Property Usage Type) | Investor [3] | Primary [1] |  |  | Based on the majority of documents, the subject is an investment property. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626833 | Representative Score | 753 | 739 | 14 | 1.89% | Per lender guidelines, the higher of the two borrowers middle is the qualifying score making the qualifying score 753. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626836 | Borrower DTI Ratio Percent | 59.088% | 50.000% | 9.088% | 9.09% | Lower audit income results in a DtI of 59.088% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626836 | Representative Score | 744 | 688 | 56 | 8.14% | Middle scores are 744/688 with the qualifying score being 744 per guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626837 | Borrower #2 Last Name | XXXXXXXX | XXXXXXXX |  |  | The Note confirms the Borrower #2 last name. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626837 | Borrower DTI Ratio Percent | 32.944% | 29.860% | 3.084% | 3.08% | Lower audit income results in a DTI of 32.944% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626837 | Representative Score | 784 | 758 | 26 | 3.43% | Middle scores are 784/758 with the qualifying score being 784 per guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626840 | Borrower DTI Ratio Percent | 52.427% | 49.780% | 2.647% | 2.65% | Lower audit income results in a DTI of 52.427% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626840 | Representative Score | 774 | 771 | 3 | 0.39% | Middle scores are 771/774 with qualifying score being 774 per XXXX guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626841 | Borrower DTI Ratio Percent | 34.091% | 49.000% | -14.909% | -14.91% | Income is higher at audit resulting in a lower DTI. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626842 | Representative Score | 743 | 716 | 27 | 3.77% | Middle scores are 743/716 with the qualifying score being 743 per XXXX guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626843 | Original Stated P&I | $2054.54 | $945.00 | $1109.54 | 117.41% | The P&I on the Note is $2054.54. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626846 | Representative Score | 803 | 741 | 62 | 8.37% | Middle scores are 803/741/752 with the qualifying score being 803 per XXXX guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626848 | Borrower DTI Ratio Percent | 52.929% | 49.570% | 3.359% | 3.36% | Increased debt due to auto loan on bank statements results in a DTI of 52.929% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626849 | Borrower DTI Ratio Percent | 58.326% | 49.870% | 8.456% | 8.46% | DTI is based off lower income determined at audit. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626851 | Borrower DTI Ratio Percent | 49.684% | 30.000% | 19.684% | 19.68% | DTI was 49.648% due to lack of income documents for both sources of income, loan qualified from SSI only. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626854 | Borrower DTI Ratio Percent | 53.337% | 45.730% | 7.607% | 7.61% | Final DTI with additional debts was 53.337% which meets program. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626854 | Lifetime Downward Rate Change Cap | 1.125% | 2.750% | -1.625% | -1.63% | Per the Note on page 88, the lifetime rate change cap is 2.75%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626855 | Borrower DTI Ratio Percent | 20.423% | 33.020% | -12.597% | -12.60% | DTI is lower due to calculation of rental properties being offset with rental income shown on tax returns. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626855 | Lifetime Downward Rate Change Cap | 0.250% | 3.000% | -2.750% | -2.75% | Per the Note, the rate will never be less than 3%, which is .25 different from the start rate. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626856 | Borrower DTI Ratio Percent | 40.677% | 43.910% | -3.233% | -3.23% | Audit DTI 40.677%. Audit DTI lower due to no vacancy factor used on rental income based on leases, per guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626857 | Borrower DTI Ratio Percent | 37.231% | 37.230% | 0.001% | 0.00% | Audit DTI 37.231%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626858 | Representative Score | 777 | 772 | 5 | 0.65% | Middle scores are 777/772 with qualifying score being 777 per XXXX guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626864 | Borrower DTI Ratio Percent | 24.613% | 24.610% | 0.003% | 0.00% | DTI 24.613%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626864 | Original CLTV Ratio Percent | 65.714% | 66.000% | -0.286% | -0.29% | Loan amount $XXX,XXX and purchase price/value used $XXX,XXX. LTV/CLTV 65.714%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626864 | Original Standard LTV (OLTV) | 65.714% | 66.000% | -0.286% | -0.29% | Loan amount $XXX,XXX and purchase price/value used $XXX,XXX. LTV/CLTV 65.714%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626865 | Original CLTV Ratio Percent | 58.737% | 59.000% | -0.263% | -0.26% | The loan amount is $XXX,XXX and the appraised value is $XXX,XXX resulting in LTV of 58.74%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626865 | Original Standard LTV (OLTV) | 58.737% | 59.000% | -0.263% | -0.26% | The loan amount is $XXX,XXX and the appraised value is $XXX,XXX resulting in LTV of 58.74%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626867 | Borrower DTI Ratio Percent | 56.370% | 45.840% | 10.530% | 10.53% | Higher audit debt due to not using rental income on two of the investment properties results in a DTI of 56.370% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626867 | Original CLTV Ratio Percent | 66.540% | 67.000% | -0.460% | -0.46% | The Note amount of $XXX,XXX and value of $XXX,XXX results in an LTV/CLTV of 66.540% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626867 | Original Standard LTV (OLTV) | 66.540% | 67.000% | -0.460% | -0.46% | The Note amount of $XXX,XXX and value of $XXX,XXX results in an LTV/CLTV of 66.540% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626868 | Borrower DTI Ratio Percent | 44.586% | 49.000% | -4.414% | -4.41% | Higher audit income results in a DTI of 44.586% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626871 | Borrower DTI Ratio Percent | 52.673% | 50.000% | 2.673% | 2.67% | Lower audit income results in a DTI of 52.673% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626872 | Borrower DTI Ratio Percent | 51.332% | 47.720% | 3.612% | 3.61% | Lower audit income results in a DTI of 51.332% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626873 | Representative Score | 765 | 736 | 29 | 3.94% | Middle scores are 736/765 with the qualifying score of 765 per XXXX guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626875 | Original CLTV Ratio Percent | 88.158% | 89.000% | -0.842% | -0.84% | The LTV/CLTV is loan amount ($XXXXXX) divided by value used by lender ($XXXXXXX). The LTV/CLTV is 88.158%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626875 | Original Standard LTV (OLTV) | 88.158% | 89.000% | -0.842% | -0.84% | The LTV/CLTV is loan amount ($XXXXXX) divided by value used by lender ($XXXXXXX). The LTV/CLTV is 88.158%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626875 | Representative Score | 790 | 762 | 28 | 3.67% | Middle scores are 790/762 with qualifying score of 790 per guidelines | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626876 | Borrower DTI Ratio Percent | 44.774% | 50.000% | -5.226% | -5.23% | Lower audit debts results in a DTI of 44.774% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626876 | Representative Score | 776 | 741 | 35 | 4.72% | Middles scores are 741/776 with the qualifying score being 776 per guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626877 | Borrower DTI Ratio Percent | 52.780% | 49.417% | 3.363% | 3.36% | Audit debt is higher than origination resulting in a DTI of 52.780% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626878 | Borrower DTI Ratio Percent | 26.896% | 36.000% | -9.104% | -9.10% | Higher audit income results in a DTI of 26.896% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626878 | Original CLTV Ratio Percent | 16.667% | 17.000% | -0.333% | -0.33% | The LTV of 16.667% is based on a loan amount of $200,000 and an appraised value of $1,200,000. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626878 | Representative Score | 784 | 775 | 9 | 1.16% | Middle scores are 775/784 with the qualifying score being 784 per guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626879 | Representative Score | 750 | 720 | 30 | 4.17% | Middle scores are 720/750 with the qualifying score being 750 per guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626880 | Original CLTV Ratio Percent | 59.343% | 60.000% | -0.657% | -0.66% | The CLTV is loan amount ($XXXXXX) divided by value used by lender ($XXXXXX). The CLTV is 6.158%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626880 | Original Standard LTV (OLTV) | 59.343% | 60.000% | -0.657% | -0.66% | The CLTV is loan amount ($XXXXXX) divided by value used by lender ($XXXXXX). The CLTV is 6.158%. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626880 | Sales Price (HUD-1 Line 101) | $XXXXXX.XX | $XXXXXX.XX | $30532.00 | 6.43% | Sales price + repairs built into the purchase are $XXX,XXX per CD | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626882 | Borrower Last Name | XXXXXXXX | XXXXXXXX |  |  | The Borrower Last Name on the Note is XXXXX-XXXXXXX. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626884 | Borrower DTI Ratio Percent | 42.815% | 44.500% | -1.685% | -1.69% | Income was determined to be higher at audit using 2 year average of OT and bonus income. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626885 | Original Appraised Value | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | -0.30% | The file contains two appraisals. The first dated XX/XX/XXXX with a value of $XXX,XXX and the second dated XX/XX/XXXX with a value of $XXX,XXX | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626886 | Borrower DTI Ratio Percent | 41.310% | 37.000% | 4.310% | 4.31% | Lower audit income results in a DTI of 41.310% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626887 | Borrower DTI Ratio Percent | 24.640% | 21.559% | 3.081% | 3.08% | Higher audit debt results in a DTI of 24.640% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626888 | Original CLTV Ratio Percent | 70.763% | 71.000% | -0.237% | -0.24% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626888 | Original Standard LTV (OLTV) | 70.763% | 71.000% | -0.237% | -0.24% |  | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626891 | Borrower DTI Ratio Percent | 44.745% | 48.755% | -4.010% | -4.01% | Ratio at audit is 44.745% based on rental income at 1005 as allowed. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626892 | Borrower DTI Ratio Percent | 29.116% | 31.123% | -2.007% | -2.01% | Income was determined to be higher with OT at audit. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626893 | Borrower DTI Ratio Percent | 49.365% | 54.668% | -5.303% | -5.30% | DTI ratio includes new lease income from 3 rental properties allowed per guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626894 | Representative Score | 804 | 801 | 3 | 0.37% | Middle scores are 804/801 with the qualifying score being 804 per 2019 guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626897 | Borrower DTI Ratio Percent | 42.351% | 39.000% | 3.351% | 3.35% | Lower audit income results in a DTI of 42.351% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626899 | Borrower DTI Ratio Percent | 50.620% | 48.000% | 2.620% | 2.62% | Lower audit income results in a DTI of 50.620% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626900 | Borrower DTI Ratio Percent | 38.593% | 36.592% | 2.001% | 2.00% | Subject PITIA of $525.76 plus consumer debt of $51 for total debt of $576.76 and audit income of $1,494.48 results in a housing ratio of 38.593% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626901 | Borrower DTI Ratio Percent | 29.939% | 31.559% | -1.620% | -1.62% | Audit did not include monthly MIP in PITIA as the file contains documentation it was refunded and removed. The subject total debt of $914.01 and income of $3,052.92 results in a DTI of 29.939% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626902 | Borrower DTI Ratio Percent | 55.005% | 39.022% | 15.983% | 15.98% | Lower audit income results in a DTI of 55.005% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626903 | Occupancy at Origination (Property Usage Type) | Investor [3] | Primary [1] |  |  | According to the "Occupancy Statement" signed by the consumers XX/XX/XXXX, the transaction is for an investment property. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626904 | Borrower DTI Ratio Percent | 57.297% | 42.000% | 15.297% | 15.30% | Lower audit income results in a DTI of 57.297% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626905 | Borrower DTI Ratio Percent | 55.747% | 48.000% | 7.747% | 7.75% | Lower audit income results in a DTI of 55.747% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626906 | Borrower DTI Ratio Percent | 46.143% | 40.000% | 6.143% | 6.14% | Higher audit debt results in a DTI of 46.143% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626907 | Borrower DTI Ratio Percent | 36.983% | 43.040% | -6.057% | -6.06% | 36.983% - using the income and debt documentation in file. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626908 | Borrower DTI Ratio Percent | 36.315% | 33.120% | 3.195% | 3.19% | Lower audit income results in a DTI of 36.315% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626911 | Borrower DTI Ratio Percent | 50.227% | 48.710% | 1.517% | 1.52% | Debt ration was higher due to non deferred student loans. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626912 | Borrower DTI Ratio Percent | 57.628% | 42.990% | 14.638% | 14.64% | Lower audit income results in a DTI of 57.628% | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626912 | Representative Score | 771 | 740 | 31 | 4.19% | Middle scores are 761/740/771 with the qualifying score being 771 per guidelines. | Initial |  |
| XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | 20250626914 | Borrower DTI Ratio Percent | 42.394% | 47.190% | -4.796% | -4.80% | Due to higher income at audit reduced the final DTI. | Initial |  |

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| **Primary Servicer** | **Servicing Fee Percentage** | **Servicing Fee Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Alt Loan ID** | **Amortization Type** | **Lien Position** | **Heloc Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points in Dollars** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** | **ARM Round Flag** | **ARM Rounding Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self Employment Flag** | **Current Other Monthly Payment** | **Length of Employment Borrower** | **Length of Employment Co Borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** | **Most Recent FICO Method** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** | **Credit Report Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12 Month Pay History** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506T Indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification** | **Borrower Employment Verification** | **Co Borrower Employment Verification** | **Borrower Asset Verification** | **Co Borrower Asset Verification** | **Liquid Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment From Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI Lender or Borrower Paid** | **Pool Insurance Co Name** | **Pool Insurance Stop Loss Percent** | **MI Certificate Number** | **Updated DTI Front End** | **Updated DTI Back End** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre Modification Interest Note Rate** | **Pre Modification P&I Payment** | **Pre Modification Initial Interest Rate Change Downward Cap** | **Pre Modification Subsequent Interest Rate Cap** | **Pre Modification Next Interest Rate Change Date** | **Pre Modification IO Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator Y/N** | **Gross Manufacturers Invoice Price** | **LTI Loan to Invoice Gross** | **Net Manufacturers Invoice Price** | **LTI Net** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community Related Party Lender Y/N** | **Defined Underwriting Criteria Y/N** | **Chattel Indicator** |
| 9999999 | 0.000000 |  | 99 | XXXX | UNK | XXXXX | 20250707001 | 1 | 1 | 0 | 3 | $XX,XXX.XX | $XX,XXX.XX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  | XX/XX/XXXX | $XX,XXX.XX | 0.053750 | 360 | 360 | XX/XX/XXXX | 2 | 0 | 0 |  | $XX,XXX.XX | 0.053750 | 475.98 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | 162.29 | .00 |  | 47.00 | 1 | XX/XX/XXXX | 665 | 640 | 660 |  |  |  | 660 |  | 3 |  |  |  |  | 48 | 5700.00 | 14 | 0.434504 | XXXXXXXXXXXX | 108 |  | XXXX.XX |  | XXXX.XX |  |  | XXXX.XX | 0 | 3 |  | 1 |  | 1 |  | .00 | $X,XXX.XX | 0.674100 |  | 1 |  | XXXX | XX | XXXX | 1 | 1 |  | $XX,XXX.XX | 3 | XX/XX/XXXX |  |  |  |  |  |  |  | 0.472200 | 0.472200 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | XXXX | UNK | XXXXX | 20250707002 | 1 | 1 | 0 | 9 | $XX,XXX.XX | $XX,XXX.XX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  | XX/XX/XXXX | $XX,XXX.XX | 0.055000 | 360 | 360 | XX/XX/XXXX | 2 | 0 | 0 |  | $XX,XXX.XX | 0.055000 | 4125.13 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 1 | 808.15 | 20.00 | 14.00 | 11.00 | 1 | XX/XX/XXXX | 668 | 646 | 660 | 713 | 725 | 685 | 660 | 713 | 3 |  |  |  |  | 73 | 11071.00 | 4 | 0.747510 | XXXXXXXXXXXX | 73 |  | XXXX.XX | XXXX.XX | XXXX.XX |  | XXXX.XX | XXXX.XX | 1 | 3 | 3 | 3 | 3 | 4 | 4 | .00 | $X,XXX.XX | 0.438200 |  | 1 |  | XXXX | XX | XXXX | 1 | 1 |  | $XX,XXX.XX | 3 | XX/XX/XXXX |  |  | $XX,XXX.XX | 10 | XX/XX/XXXX |  |  | 0.691900 | 0.691900 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | XXXX | UNK | XXXXX | 20250707003 | 1 | 1 | 0 | 3 | $XX,XXX.XX | $XX,XXX.XX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  | XX/XX/XXXX | $XX,XXX.XX | 0.043750 | 360 | 360 | XX/XX/XXXX | 2 | 0 | 0 |  | $XX,XXX.XX | 0.043750 | 1181.02 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | 827.55 | 1.50 |  | 1.00 | 1 | XX/XX/XXXX | 647 | 654 | 659 |  |  |  | 654 |  | 3 |  |  |  |  | 28 | 25571.00 | 9 | 0.608868 | XXXXXXXXXXXX |  |  | XXXX.XX |  |  |  | XXXX.XX | XXXX.XX | 0 | 5 |  | 3 |  | 1 |  | .00 | $X,XXX.XX | 0.549700 |  | 1 |  | XXXX | XX | XXXX | 12 | 1 |  | $XX,XXX.XX | 3 | XX/XX/XXXX |  |  | $XX,XXX.XX | 10 | XX/XX/XXXX |  |  | 0.850000 | 0.850000 | .00 | 98 |  | 1 | 98 |  | XX-XXXXXXX-XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | XXXX | UNK | XXXXX | 20250707004 | 1 | 1 | 0 | 3 | $XX,XXX.XX | $XX,XXX.XX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XX/XX/XXXX | $XX,XXX.XX | 0.040000 | 360 | 360 | XX/XX/XXXX | 2 | 0 | 0 |  | $XX,XXX.XX | 0.040000 | 544.26 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | 528.52 | 7.44 |  | .91 | 1 | XX/XX/XXXX | 731 | 751 | 755 |  |  |  | 751 |  | 3 |  |  |  |  | 165 | 21000.00 | 3 | 0.412693 | XXXXXXXXXXXX |  |  | XXXX.XX |  |  |  | XXXX.XX | XXXX.XX | 1 | 5 |  | 3 |  | 1 |  | .00 | $X,XXX.XX | 0.404700 |  | 1 |  | XXXX | XX | XXXX | 12 | 1 |  | $XX,XXX.XX | 3 | XX/XX/XXXX |  |  |  |  |  |  |  | 0.717000 | 0.717000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | XXXX | UNK | XXXXX | 20250707005 | 1 | 1 | 0 | 7 | $XX,XXX.XX | $XX,XXX.XX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  | XX/XX/XXXX | $XX,XXX.XX | 0.047500 | 360 | 360 | XX/XX/XXXX | 2 | 0 | 0 |  | $XX,XXX.XX | 0.047500 | 1304.12 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 1 | 776.16 | 6.42 |  |  | 1 | XX/XX/XXXX | 751 | 747 | 675 |  |  |  | 747 |  | 3 |  |  |  |  | 138 | 15500.00 | 7 | 0.196897 | XXXXXXXXXXXX |  |  | XXXX.XX |  | XXXX.XX |  | XXXX.XX | XXXX.XX | 1 | 4 |  | 3 |  | 4 |  | .00 | $X,XXX.XX | 0.460900 |  | 1 | 0.090910 | XXXX | XX | XXXX | 12 | 1 | $XX,XXX.XX | $XX,XXX.XX | 3 | XX/XX/XXXX |  |  |  |  |  |  |  | 0.694400 | 0.694400 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 | XXXX | UNK | XXXXX | 20250707006 | 1 | 1 | 0 | 1 | $XX,XXX.XX | $XX,XXX.XX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XX/XX/XXXX | $XX,XXX.XX | 0.045000 | 180 | 180 | XX/XX/XXXX | 2 | 0 | 0 |  | $XX,XXX.XX | 0.045000 | 1285.19 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 1 | 320.16 | 3.25 | 1.60 | 10.00 | 1 | XX/XX/XXXX | 751 | 743 | 708 | 725 | 721 | 714 | 743 | 721 | 3 |  |  |  |  | 119 | 10000.00 | 10 | 0.416987 | XXXXXXXXXXXX |  |  | XXXX.XX | XXXX.XX | XXXX.XX | XXXX.XX | XXXX.XX | XXXX.XX | 1 | 3 | 3 | 3 | 2 | 4 | 4 | 2150.59 | $X,XXX.XX | 0.865600 |  | 1 |  | XXXX | XX | XXXX | 1 | 1 |  | $XX,XXX.XX | 3 | XX/XX/XXXX |  |  |  |  |  |  |  | 0.800000 | 0.800000 | .00 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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| **Seller** | **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXXX | 20250707001 |  | Seller | 2025-06-24 15:41 | 2025-06-26 18:00 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements 1) Insufficient reserves and 2) DTI exceeds Guidelines.<br> - Due Diligence Vendor-06/24/2025 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4542828 | N/A | N/A |
| XXXX | XXXXX | 20250707001 |  | Seller | 2025-06-26 11:40 | 2025-06-26 18:00 | Open | 3 - Material | Credit | Eligibility | Transaction Ineligible | Open-Per Guidelines, loans subject to Section 50(a)(6) of the Texas Constitution are ineligible for purchase. - Due Diligence Vendor-06/26/2025 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4567782 | N/A | N/A |
| XXXX | XXXXX | 20250707001 |  | Seller | 2025-06-26 12:40 | 2025-06-26 18:00 | Open | 3 - Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $1276.54 Guidelines require two months reserves. There was no asset documentation in the loan file. Per Guidelines, net proceeds from cash-out transactions can be used to meet reserve requirements, if documented for this reason in the cash-out purposed letter, signed by the borrower. The loan file did not a cash-out explanation letter from the borrower, therefore, cannot use cash-out proceeds for reserves. - Due Diligence Vendor-06/26/2025 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4568403 | N/A | N/A |
| XXXX | XXXXX | 20250707001 |  | Seller | 2025-06-26 12:43 | 2025-06-26 18:00 | Open | 3 - Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Guidelines require two months reserves. There was no asset documentation in the loan file. Per Guidelines, net proceeds from cash-out transactions can be used to meet reserve requirements, if documented for this reason in the cash-out purposed letter, signed by the borrower. The loan file did not a cash-out explanation letter from the borrower, therefore, cannot use cash-out proceeds for reserves. - Due Diligence Vendor-06/26/2025 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4568452 | N/A | N/A |
| XXXX | XXXXX | 20250707001 |  | Seller | 2025-06-26 12:56 | 2025-06-26 18:00 | Open | 3 - Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Open-Audited DTI of 67.41% exceeds Guideline DTI of 60% Audit DTI of 67.41% exceeds Guideline maximum allowed DTI of 60%. Variance is due to income and liabilities calculations. Lender used qualifying income of $2,436.20, audit calculated income is $1,863.75 (SS income per benefit letter is $1,491.00 grossed up 25% equals $1,863.75). Lender calculated Other Debt is $529.00, audit calculated Other Debt is $618.00. Per Guidelines, "Payoff or paydown of debt solely to qualify must be carefully evaluated and considered in the overall loan analysis. The borrower's history of credit use should be a factor in determining whether the appropriate approach is to include or exclude debt for qualification. As a general rule of thumb, if a revolving account is to be paid off and closed, a monthly payment on the current outstanding balance may not need to be included in the borrower's DTI ratio". The CD reflects paydown of 8 consumer debts – one installment loan and 7 revolving debts (credit report reflects Target is a closed account)). The loan file did not contain evidence that the other 6 revolving debts were closed, therefore, audit included the payments on these loans. Audit decision to include debts is based on borrower's credit history – credit report reflects a previous bankruptcy and high credit usage. Excluding all the revolving debts would result in a DTI of 54.36%. <br>- Due Diligence Vendor-06/26/2025 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4568593 | N/A | N/A |
| XXXX | XXXXX | 20250707002 |  | Closed | 2025-06-25 20:28 | 2025-07-01 20:16 | Resolved | 1 - Information | Credit | Missing Doc | Missing evidence of sale of other property owned (REO) | Resolved-Document Uploaded. Received property report to confirm borrower sold the property in question prior to closing. Condition cleared. - Due Diligence Vendor-07/01/2025 <br> Counter-The Lender Guidelines do allow for the use of "information disclosed on the loan application" for evidence of PITIA for rental income properties. However, this condition is requesting proof of sale of a rental property which was not addressed in the Seller Comments on the XXXX Comments report. Condition remains. - Due Diligence Vendor-06/30/2025 <br> Counter-The Lender Guidelines do allow for the use of "information disclosed on the loan application" for evidence of PITIA for rental income properties. However, this condition is requesting proof of sale of a rental property which was not addressed in the Seller Comments on the XXXX Comments report. Condition remains. - Due Diligence Vendor-06/30/2025 <br> Open-Final HUD-1, Closing documents, or other evidence of sale from Property C, as listed on the XXXX tax returns. A letter of explanation is not sufficient documentation. Also, the LoanSafe report still reflects borrower as the owner of the property. - Due Diligence Vendor-06/25/2025 | See Stewart Property History for XXXX XXXX, XXXX, XX XXXXX. Property sold on XX/XX/XXXX. - 07/01/2025 <br> Refer to Rental Income section of guidelines on p. 43. Guidelines allow use of information disclosed on loan application for income or expenses related to rental properties: <br> To evidence borrower's monthly principal and interest payments (to calculate monthly debt) for rental income property, any of the following is acceptable:<br> o Mortgage statement,<br> o Monthly mortgage payment stated on loan application<br> o Credit report detailing mortgage balance and terms, or<br> o Information disclosed on loan application <br>Tax, HOA and/or insurance amounts may be determined by any of the following methods before or after closing:<br> o Documentation from tax agency, HOA or insurance company,<br> o Monthly insurance, taxes, association dues, etc. stated on loan application or other documentation acceptable to XXXX<br> o For property taxes and insurance, mortgage statements with tax and insurance impounds may be used,<br> o Seller or successor may calculate annual taxes using information from property tax agency's website, Zillow (or other real estate services website), or use an online property tax calculator such as smartasset.com,<br> o HOA estimate may be obtained from real estate services websites such as Zillow, Redfin, Realtor.com, or<br> o Information disclosed on loan application - 06/30/2025 <br>| Resolved-Document Uploaded. Received property report to confirm borrower sold the property in question prior to closing. Condition cleared. - Due Diligence Vendor-07/01/2025<br>| XXXX - Sale of XXXX XXXX- XXXX _ Property Information.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4563025 | N/A | N/A |
| XXXX | XXXXX | 20250707002 |  | Closed | 2025-06-26 11:19 | 2025-07-01 15:44 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Property report provided to confirm sale prior to origination. Condition cleared. - Due Diligence Vendor-07/01/2025 <br> Resolved-Document Uploaded. Property report provided to confirm sale prior to origination. Condition cleared. - Due Diligence Vendor-07/01/2025 <br> Counter- The loan file is missing: 1) Documentation of sale of REO and 2) Verification of mortgage on REO. These issues were not resolved/addressed in the Seller Comments on the XXXX Comments report. Condition remains. - Due Diligence Vendor-06/30/2025 <br> Counter-The loan file is missing: 1) Documentation of sale of REO and 2) Verification of mortgage on REO. These issues were not resolved/addressed in the Seller Comments on the XXXX Comments report. Condition remains. - Due Diligence Vendor-06/30/2025 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The loan file is missing: 1) Documentation of sale of REO and 2) Verification of mortgage on REO. - Due Diligence Vendor-06/26/2025 | See Stewart Property History for XXXX XXXX, XXXX, XX XXXXX. Property sold on XX/XX/XXXX. <br> - 07/01/2025 <br> Refer to Rental Income section of guidelines on p. 43. Guidelines allow use of information disclosed on loan application for income or expenses related to rental properties: <br> To evidence borrower's monthly principal and interest payments (to calculate monthly debt) for rental income property, any of the following is acceptable:<br> o Mortgage statement,<br> o Monthly mortgage payment stated on loan application<br> o Credit report detailing mortgage balance and terms, or<br> o Information disclosed on loan application <br>Tax, HOA and/or insurance amounts may be determined by any of the following methods before or after closing:<br> o Documentation from tax agency, HOA or insurance company,<br> o Monthly insurance, taxes, association dues, etc. stated on loan application or other documentation acceptable to XXXX<br> o For property taxes and insurance, mortgage statements with tax and insurance impounds may be used,<br> o Seller or successor may calculate annual taxes using information from property tax agency's website, Zillow (or other real estate services website), or use an online property tax calculator such as smartasset.com,<br> o HOA estimate may be obtained from real estate services websites such as Zillow, Redfin, Realtor.com, or<br> o Information disclosed on loan application<br> - 06/30/2025 <br>| Resolved-Property report provided to confirm sale prior to origination. Condition cleared. - Due Diligence Vendor-07/01/2025 <br>Resolved-Document Uploaded. Property report provided to confirm sale prior to origination. Condition cleared. - Due Diligence Vendor-07/01/2025<br>| XXXX - Sale of XXXX XXXX- XXXX _ Property Information.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4567583 | N/A | N/A |
| XXXX | XXXXX | 20250707002 |  | Closed | 2025-06-25 20:29 | 2025-07-01 15:23 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Document Uploaded. Received property report to confirm borrower sold the property in question prior to origination. Condition cleared. - Due Diligence Vendor-07/01/2025 <br>Counter-The 2017 Tax Returns show $11,707 in mortgage interest for the REO property in question. Using the information disclosed on the loan application would not be prudent since the tax returns provided conflicting information. Condition remains. - Due Diligence Vendor-06/30/2025 <br>Counter-The 2017 Tax Returns show $11,707 in mortgage interest for the REO property in question. Using the information disclosed on the loan application would not be prudent since the tax returns provided conflicting information. Condition remains. - Due Diligence Vendor-06/30/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The 2017 tax returns reflect "Mortgage interest paid to bank, etc." of $11,707.00 for REO A (REO 2 on the final loan application). Missing verification of mortgage payment on this property OR a copy of the Satisfaction of Mortgage, if applicable. The Lender did not include a mortgage payment when calculating net rental income for this property. Additional conditions may apply. - Due Diligence Vendor-06/25/2025 | See Stewart Property History for XXXX XXXX, XXXX, XX XXXXX. Property sold on XX/XX/XXXX. <br> - 07/01/2025 <br> Refer to Rental Income section of guidelines on p. 43. Guidelines allow use of information disclosed on loan application for income or expenses related to rental properties: <br> To evidence borrower's monthly principal and interest payments (to calculate monthly debt) for rental income property, any of the following is acceptable:<br> o Mortgage statement,<br> o Monthly mortgage payment stated on loan application<br> o Credit report detailing mortgage balance and terms, or<br> o Information disclosed on loan application <br>Tax, HOA and/or insurance amounts may be determined by any of the following methods before or after closing:<br> o Documentation from tax agency, HOA or insurance company,<br> o Monthly insurance, taxes, association dues, etc. stated on loan application or other documentation acceptable to XXXX<br> o For property taxes and insurance, mortgage statements with tax and insurance impounds may be used,<br> o Seller or successor may calculate annual taxes using information from property tax agency's website, Zillow (or other real estate services website), or use an online property tax calculator such as smartasset.com,<br> o HOA estimate may be obtained from real estate services websites such as Zillow, Redfin, Realtor.com, or<br> o Information disclosed on loan application - 06/30/2025 <br>| Resolved-Document Uploaded. Received property report to confirm borrower sold the property in question prior to origination. Condition cleared. - Due Diligence Vendor-07/01/2025<br>| XXXX - Sale of XXXX XXXX- XXXX_ Property Information.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4563040 | N/A | N/A |
| XXXX | XXXXX | 20250707002 |  | Closed | 2025-06-25 19:46 | 2025-07-01 14:10 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-Document Uploaded. Received BPO to support value. Condition cleared. - Due Diligence Vendor-07/01/2025 <br> Counter-Missing secondary valuation was not addressed in the Seller Comments on the XXXX Comments report. Condition remains. - Due Diligence Vendor-06/30/2025 <br> Counter-Missing secondary valuation was not addressed in the Seller Comments on the XXXX Comments report. Condition remains. - Due Diligence Vendor-06/30/2025 <br> Counter-Missing secondary valuation was not addressed in the Seller Comments on the XXXX Comments report. Condition remains. - Due Diligence Vendor-06/30/2025 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/25/2025 | Refer to Rental Income section of guidelines on p. 43. Guidelines allow use of information disclosed on loan application for income or expenses related to rental properties: <br>To evidence borrower's monthly principal and interest payments (to calculate monthly debt) for rental income property, any of the following is acceptable:<br> o Mortgage statement,<br> o Monthly mortgage payment stated on loan application<br> o Credit report detailing mortgage balance and terms, or<br> o Information disclosed on loan application <br>Tax, HOA and/or insurance amounts may be determined by any of the following methods before or after closing:<br> o Documentation from tax agency, HOA or insurance company,<br> o Monthly insurance, taxes, association dues, etc. stated on loan application or other documentation acceptable to XXXX<br> o For property taxes and insurance, mortgage statements with tax and insurance impounds may be used,<br> o Seller or successor may calculate annual taxes using information from property tax agency's website, Zillow (or other real estate services website), or use an online property tax calculator such as smartasset.com,<br> o HOA estimate may be obtained from real estate services websites such as Zillow, Redfin, Realtor.com, or<br> o Information disclosed on loan application - 06/30/2025 <br>| Resolved-Document Uploaded. Received BPO to support value. Condition cleared. - Due Diligence Vendor-07/01/2025<br>| XXXX - BPO.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4562344 | N/A | N/A |
| XXXX | XXXXX | 20250707002 |  | Closed | 2025-07-01 14:09 | 2025-07-01 14:09 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-07/01/2025 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-07/01/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4614606 | Investor Post-Close | No |
| XXXX | XXXXX | 20250707002 |  | Closed | 2025-06-26 11:30 | 2025-06-26 11:33 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Acknowledged-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($117.74) were applied to the total fee variance of ($351.40) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $248.60. The 10% fees reflected on the Post-Closing CD dated 08/06/2019 total $600.00. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $351.40 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. <br>- Due Diligence Vendor-06/26/2025 <br> Open- - Due Diligence Vendor-06/26/2025 |  | Acknowledged-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($117.74) were applied to the total fee variance of ($351.40) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $248.60. The 10% fees reflected on the Post-Closing CD dated XX/XX/XXXX total $600.00. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $351.40 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. <br>- Due Diligence Vendor-06/26/2025 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4567674 | Investor Post-Close | No |
| XXXX | XXXXX | 20250707002 |  | Closed | 2025-06-26 11:30 | 2025-06-26 11:31 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Acknowledged-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($117.74) were applied to the total fee variance of ($351.40) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A tolerance cure of $351.40 to be provided within 60 days of discovery. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-06/26/2025 <br>Open- - Due Diligence Vendor-06/26/2025 |  | Acknowledged-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($117.74) were applied to the total fee variance of ($351.40) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A tolerance cure of $351.40 to be provided within 60 days of discovery. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-06/26/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4567675 | Investor Post-Close | No |
| XXXX | XXXXX | 20250707002 |  | Seller | 2025-06-25 21:01 | 2025-07-01 18:03 | Counter | 3 - Material | Credit | Missing Doc | Required Documentation is Missing | Counter-The property report provided indicates the borrower was on the deed as of the subject closing. The title report in the loan file reflects the subject was previously vested in the name of an LLC since XXXX. The subject transaction was approved as a refinance. Provide documentation of borrowers' ownership of the LLC. Condition remains. - Due Diligence Vendor-07/01/2025 <br> Counter-Document Uploaded. - Due Diligence Vendor-07/01/2025 <br> Counter-Title vesting issue was not addressed in the Seller Comments on the XXXX Comments report. Condition remains. - Due Diligence Vendor-06/30/2025 <br> Counter-Title vesting issue was not addressed in the Seller Comments on the XXXX Comments report. Condition remains. - Due Diligence Vendor-06/30/2025 <br> Counter-Title vesting issue was not addressed in the Seller Comments on the XXXX Comments report. Condition remains. <br> - Due Diligence Vendor-06/30/2025 <br> Open-The preliminary title report reflects property is currently vested in an LLC. Provide documentation of borrowers' ownership of the LLC. - Due Diligence Vendor-06/25/2025 | See Stewart Property History for XXXX XXX, XXXX,XX - Subject Property. According to Property Search, property was purchased by XXXX XXXX and XXXX XXXX on XX/XX/XX. Deed #XXXX<br> - 07/01/2025 <br> Refer to Rental Income section of guidelines on p. 43. Guidelines allow use of information disclosed on loan application for income or expenses related to rental properties: <br>To evidence borrower's monthly principal and interest payments (to calculate monthly debt) for rental income property, any of the following is acceptable:<br> o Mortgage statement,<br> o Monthly mortgage payment stated on loan application<br> o Credit report detailing mortgage balance and terms, or<br> o Information disclosed on loan application <br>Tax, HOA and/or insurance amounts may be determined by any of the following methods before or after closing:<br> o Documentation from tax agency, HOA or insurance company,<br> o Monthly insurance, taxes, association dues, etc. stated on loan application or other documentation acceptable to XXXX<br> o For property taxes and insurance, mortgage statements with tax and insurance impounds may be used,<br> o Seller or successor may calculate annual taxes using information from property tax agency's website, Zillow (or other real estate services website), or use an online property tax calculator such as smartasset.com,<br> o HOA estimate may be obtained from real estate services websites such as Zillow, Redfin, Realtor.com, or<br> o Information disclosed on loan application - 06/30/2025 <br>|  | XXXX - Sale of XXXX XXXX- XXXX _ Property Information.pdf<br> XXXX - Final TPOL.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4563457 | N/A | N/A |
| XXXX | XXXXX | 20250707003 |  | Closed | 2025-06-25 16:33 | 2025-07-01 16:13 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Received BPO evidencing no damage. Condition cleared. - Due Diligence Vendor-07/01/2025 <br> Counter-Document Uploaded. - Due Diligence Vendor-07/01/2025 <br> Counter-The BPO is dated XXXX. The most recent FEMA disaster is dated XX/XX/XXXX. Please provide a PDI evidencing no disaster related damage and dated after the most recent disaster. Condition remains. - Due Diligence Vendor-06/30/2025 <br> Counter-The BPO is dated XXXX. The most recent FEMA disaster is dated XX/XX/XXXX. Please provide a PDI evidencing no disaster related damage and dated after the most recent disaster. Condition remains. - Due Diligence Vendor-06/30/2025 <br> Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-06/25/2025 | BPO dated XX/XX/XXXX uploaded to XXXX<br> - 07/01/2025 <br> See BPO uploaded to XXXX on XX/XX/XXXX - 06/30/2025 <br>| Resolved-Received BPO evidencing no damage. Condition cleared. - Due Diligence Vendor-07/01/2025<br>| XXXX BPO XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4558833 | N/A | N/A |
| XXXX | XXXXX | 20250707003 |  | Closed | 2025-06-25 16:32 | 2025-06-30 17:34 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Received BPO dated post-closing and supporting the value to within 10% tolerance. Condition cleared. - Due Diligence Vendor-06/30/2025 <br>Resolved- - Due Diligence Vendor-06/30/2025 <br>Resolved-Received BPO dated post-closing and supporting the value to within 10% tolerance. Condition cleared. - Due Diligence Vendor-06/30/2025 <br>Open-Document Uploaded. - Due Diligence Vendor-06/29/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. . - Due Diligence Vendor-06/25/2025 | Secondary valuation is not required per guidelines, however, BPO has been uploaded to XXXXfor your review. <br> - 06/30/2025 <br>| Resolved-Received BPO dated post-closing and supporting the value to within 10% tolerance. Condition cleared. - Due Diligence Vendor-06/30/2025 <br>Resolved- - Due Diligence Vendor-06/30/2025 <br>Resolved-Received BPO dated post-closing and supporting the value to within 10% tolerance. Condition cleared. - Due Diligence Vendor-06/30/2025<br>| XXXX_439659_BPO.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4558771 | N/A | N/A |
| XXXX | XXXXX | 20250707003 |  | Seller | 2025-06-25 15:58 | 2025-06-26 18:00 | Open | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling disclosure and list is incomplete. - Due Diligence Vendor-06/25/2025 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4558187 | N/A | N/A |
| XXXX | XXXXX | 20250707004 |  | Closed | 2025-06-25 14:11 | 2025-06-25 18:08 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Acknowledged-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) This finding is outside the statute of limitations and will be rated a B for all agencies.<br> - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 |  | Acknowledged-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) This finding is outside the statute of limitations and will be rated a B for all agencies.<br> - Due Diligence Vendor-06/25/2025 |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4554974 | Investor Post-Close | No |
| XXXX | XXXXX | 20250707004 |  | Seller | 2025-06-25 06:43 | 2025-06-26 18:00 | Open | 3 - Material | Credit | Income/Employment | Fraud: Potential Employment/income Issues identified in the file | Open-As per Work Number VOE the borrower was no longer employed as of 12/08/2016, which is prior to the loan closing. - Due Diligence Vendor-06/25/2025 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4551687 | N/A | N/A |
| XXXX | XXXXX | 20250707004 |  | Seller | 2025-06-25 06:47 | 2025-06-26 18:00 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Open-ATR Risk - Employment validation/verification standards do not meet requirements VVOE in file states borrower No longer employed as of XX/XX/XXXX. Note date is XX/XX/XXXX. - Due Diligence Vendor-06/25/2025 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4551699 | N/A | N/A |
| XXXX | XXXXX | 20250707005 |  | Closed | 2025-06-25 04:25 | 2025-06-30 17:28 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender indicated the guidelines allow for a shortage of $5,000 which has been confirmed. Finding resolved. - Due Diligence Vendor-06/30/2025 <br>Resolved-Lender indicated the guidelines allow for a shortage of $5,000 which has been confirmed. Finding resolved.<br> - Due Diligence Vendor-06/30/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due to the inability to verify the Earnest Money Deposit (EMD), the available assets are deemed insufficient. - Due Diligence Vendor-06/25/2025 | Guidelines allow for this shortage. See Funds to Close Allowances section on p. 56. <br> Funds to Close Allowances<br> Funds to close below $5,000 do not require verification or sourcing.<br> For funds to close greater than $5,000, a 50% tolerance is permitted if verified funds are lower than required. For example, if settlement statement or Closing Disclosure requires funds to close of $20,000, it is necessary to verify at least $10,000. - 06/30/2025 <br>| Resolved-Lender indicated the guidelines allow for a shortage of $5,000 which has been confirmed. Finding resolved. - Due Diligence Vendor-06/30/2025 <br>Resolved-Lender indicated the guidelines allow for a shortage of $5,000 which has been confirmed. Finding resolved.<br> - Due Diligence Vendor-06/30/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 4551277 | N/A | N/A |
| XXXX | XXXXX | 20250707005 |  | Closed | 2025-06-25 04:25 | 2025-06-30 17:27 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Lender indicated the guidelines allow for a shortage of $5,000 which has been confirmed. Finding resolved. - Due Diligence Vendor-06/30/2025 <br>Resolved-Lender indicated the guidelines allow for a shortage of $5,000 which has been confirmed. Finding resolved. - Due Diligence Vendor-06/30/2025 <br>Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $62,299.13 less cash to close of $66,032.32 and less unverified EMD of $10,000 results in $3,733.19 shortage of funds to close. - Due Diligence Vendor-06/25/2025 | Guidelines allow for this shortage. See Funds to Close Allowances section on p. 56. <br> Funds to Close Allowances<br> Funds to close below $5,000 do not require verification or sourcing.<br> For funds to close greater than $5,000, a 50% tolerance is permitted if verified funds are lower than required. For example, if settlement statement or Closing Disclosure requires funds to close of $20,000, it is necessary to verify at least $10,000.<br> - 06/30/2025 <br>| Resolved-Lender indicated the guidelines allow for a shortage of $5,000 which has been confirmed. Finding resolved. - Due Diligence Vendor-06/30/2025 <br>Resolved-Lender indicated the guidelines allow for a shortage of $5,000 which has been confirmed. Finding resolved. - Due Diligence Vendor-06/30/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 4551278 | N/A | N/A |
| XXXX | XXXXX | 20250707005 |  | Closed | 2025-06-25 03:12 | 2025-06-25 16:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | TRID: Missing Loan Estimate | Acknowledged-Provide missing LE. Per XXXXXX, a revised Loan Estimate (LE) was provided on XX/XX/XXXX. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-06/25/2025 |  | Acknowledged-Provide missing LE. Per XXXXXX, a revised Loan Estimate (LE) was provided on XX/XX/XXXX. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-06/25/2025 |  |  |  | XX | Primary Residence | Purchase | NA | 4550980 | Originator Post-Close | No |
| XXXX | XXXXX | 20250707005 |  | Seller | 2025-06-25 03:00 | 2025-06-26 18:00 | Open | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Open-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/25/2025 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | 4550952 | N/A | N/A |
| XXXX | XXXXX | 20250707005 |  | Seller | 2025-06-25 03:00 | 2025-06-26 18:00 | Open | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Open-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/25/2025 |  |  |  |  |  | XX | Primary Residence | Purchase | NA | 4550953 | N/A | N/A |
| XXXX | XXXXX | 20250707006 |  | Seller | 2025-06-25 06:14 | 2025-06-30 21:00 | Counter | 3 - Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Counter-A Third-Party Fraud Tool is required on all files. Condition remains. - Due Diligence Vendor-06/30/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/25/2025 | Guidelines do not require Fraud and Background Checks. See p. 26 of guidelines. <br> Fraud and Background Checks<br> Sellers must have policies and procedures in place to mitigate risk resulting from fraud and misrepresentation. Evidence of fraud report or background check is not required.<br> - 06/30/2025 <br>|  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4551632 | N/A | N/A |
| XXXX | XXXXX | 20250707006 |  | Seller | 2025-06-25 17:23 | 2025-06-30 21:00 | Counter | 3 - Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Counter-The audit did factor in SSI for both borrowers. Condition remains. - Due Diligence Vendor-06/30/2025 <br>Open-The audit did factor in SSI for both borrowers. Condition remains. - Due Diligence Vendor-06/30/2025 <br>Open-Audited DTI of 86.56% exceeds Guideline DTI of 60% Audited DTI of 86.56% exceeds Guideline max DTI of 60%. Variance is due to income and debt calculations: 1) Lender did not consider Co-Borrower's business losses in qualifying. 2) For Borrower's wage income, lender used a base pay of $1,040.00/months which is based on a 40-hour work week. However, per the WVOE, borrower works an average of 60 hours per pay period or only 30 hours/week. Additionally, YTD and prior year's paystub and W2s do not support a 40-hour work week. 3) Two revolving debts were paid down to $0.00, however, there is no proof that these credit cards were closed. Per Guidelines, "if a revolving account is to be paid off and closed, a monthly payment on the current outstanding balance may not need to be included in the borrower's DTI. Payoff or paydown or debt solely to qualify must be carefully evaluated and considered in the overall loan analysis. The borrower's history of credit use should be a factor in determining whether the appropriate approach is to include or exclude debt for qualification". Due to high usage of credit, audit did not exclude the two revolving debts in the DTI. However, if these two debts were excluded, the resulting DTI of 66.86% still exceeds Guideline requirement. - Due Diligence Vendor-06/25/2025 | Did Opus factor in Social Security income as disclosed on 1003? If not, FORM SSA-1099 is present in the file. See Social Security Income section of guidelines p. 46. The followng is permitted:<br>• Social Security income may be verified by any of the following:<br> o Social Security Administration benefit verification letter,<br> o Form SSA-1099 – Social Security Benefit Statement, or<br> o Bank statements or other acceptable documentation evidencing at least two (2) months of receipt of benefits<br> • Proof of current receipt of income is not required<br> • Evidence of remaining term of benefits is not required<br> - 06/30/2025 <br>|  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4559685 | N/A | N/A |
| XXXX | XXXXX | 20250707006 |  | Seller | 2025-06-25 17:24 | 2025-06-30 21:00 | Counter | 3 - Material | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Counter-The audit did factor in SSI for both borrowers. Condition remains. - Due Diligence Vendor-06/30/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements 1) Insufficient reserves, 2) DTI exceeds guidelines. - Due Diligence Vendor-06/25/2025 | Did Opus factor in Social Security income as disclosed on 1003? If not, FORM SSA-1099 is present in the file. See Social Security Income section of guidelines p. 46. The followng is permitted:<br>• Social Security income may be verified by any of the following:<br> o Social Security Administration benefit verification letter,<br> o Form SSA-1099 – Social Security Benefit Statement, or<br> o Bank statements or other acceptable documentation evidencing at least two (2) months of receipt of benefits<br> • Proof of current receipt of income is not required<br> • Evidence of remaining term of benefits is not required - 06/30/2025 <br>|  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4559696 | N/A | N/A |
| XXXX | XXXXX | 20250707006 |  | Seller | 2025-06-25 04:13 | 2025-06-26 18:00 | Open | 3 - Material | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-06/25/2025 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4551243 | N/A | N/A |
| XXXX | XXXXX | 20250707006 |  | Seller | 2025-06-25 06:14 | 2025-06-26 18:00 | Open | 3 - Material | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Open-All Interested Parties Not Checked with Exclusionary Lists<br> - Due Diligence Vendor-06/25/2025 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4551631 | N/A | N/A |
| XXXX | XXXXX | 20250707006 |  | Seller | 2025-06-25 15:39 | 2025-06-26 18:00 | Open | 2 - Non-Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (non-material jurisdictions) | Open-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) H-8 vs. H-9 used for Same Lender Refinance. B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-06/25/2025 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4557748 | N/A | N/A |
| XXXX | XXXXX | 20250707006 |  | Seller | 2025-06-25 17:23 | 2025-06-26 18:00 | Open | 3 - Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Open-Audited Reserves of 1.34 month(s) are less than Guideline Required Reserves of 2 month(s) Verified assets of $3,354.16 less cash to close $1,203.57 equates to 1.34 months reserves or $2,150.59 which is less than the required 2.0 months reserves or $3,210.70, a shortage of $1,060.11. - Due Diligence Vendor-06/25/2025 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4559686 | N/A | N/A |
| XXXX | XXXXX | 20250707006 |  | Seller | 2025-06-25 17:27 | 2025-06-26 18:00 | Open | 3 - Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Open-Total Qualified Assets for Reserves Post-Close of $2150.59 is less than Total Required Reserve Amount of $3210.7 Verified assets of $3,354.16 less cash to close $1,203.57 equates to 1.34 months reserves or $2,150.59 which is less than the required 2.0 months reserves or $3,210.70, a shortage of $1,060.11. - Due Diligence Vendor-06/25/2025 |  |  |  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4559741 | N/A | N/A |

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXXX | 20250707001 |  | $XX,XXX.XX C A |
| XXXXX | 20250707002 |  | $XX,XXX.XX D C B A |
| XXXXX | 20250707003 |  | $XX,XXX.XX A B C |
| XXXXX | 20250707004 |  | $XX,XXX.XX C A |
| XXXXX | 20250707005 |  | $XX,XXX.XX C A B |
| XXXXX | 20250707006 |  | $XX,XXX.XX D C |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan ID | **Alt Loan ID** | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| XXXXX | 20250707001 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | ATR Risk: Lender did not document all ATR UW Factors | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 5.556 | Yes | Yes | N/A | No | Yes | Yes | N/A | Yes | No | Yes | 607.48 | N/A | Retired |  | No |  | No |  |
| XXXXX | 20250707002 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 5.821 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7624.08 | N/A | Employed | Employed | No | No | No |  |
| XXXXX | 20250707003 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 5.191 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2626.64 | N/A | Employed |  | No |  | No |  |
| XXXXX | 20250707004 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | ATR Risk: Lender did not document all ATR UW Factors | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 4.226 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | No | Yes | 2905.61 | N/A | Employed |  | No |  | No |  |
| XXXXX | 20250707005 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 4.808 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2541.11 | N/A | Employed |  | No |  | No |  |
| XXXXX | 20250707006 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | ATR Risk: Lender did not document all ATR UW Factors | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 4.796 | Yes | Yes | N/A | No | Yes | Yes | N/A | Yes | No | Yes | 409.07 | N/A | Employed | Employed | No | No | No |  |

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| **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** | **Maturity Date** |
| XXXXX | 20250707001 |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | v2 | XX/XX/XXXX | ATR Risk: Lender did not document all ATR UW Factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 4.590% | Manual Underwriting | Manual Underwriting | No | 5.556% |  | 5.375% | 5.375% | $475.98 | No | $41.52 | $3.46 | $1905.96 | $158.83 | $0.00 | $0.00 | $0.00 | $638.27 | $607.48 | N/A |  |  | $0.00 |  |  | 47.91% | 67.41% | 67.40% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Doc | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - 2018 - 2018 | Borrower - 3 YRS Executed 4506T Verified - 2018 - 2018 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XX/XX/XXXX | XX/XX/XXXX | 0 | 108 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 47.22 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXXX | 20250707002 |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 2 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 4.670% | Manual Underwriting | Manual Underwriting | No | 5.821% |  | 5.500% | 5.500% | $4125.13 | No | $5054.76 | $421.23 | $4643.04 | $386.92 | $0.00 | $0.00 | $0.00 | $4933.28 | $7624.08 | N/A |  |  | $0.00 |  |  | 38.95% | 43.82% | 43.82% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Full Doc | 0 | 0 | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 1 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2017 - 2017 \|\| Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2017 - 2017 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2017 - 2017 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2017 - 2017 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XX/XX/XXXX | XX/XX/XXXX | 2 | 73 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  | N/A | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.19 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXXX | 20250707003 |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | Version 2 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 3.790% | Manual Underwriting | Approve Eligible | No | 5.191% |  | 4.375% | 4.375% | $1181.02 | No | $4386.72 | $365.56 | $1103.04 | $91.92 | $2595.00 | $216.25 | $153.82 | $2008.57 | $2626.64 | Yes | XXXX | XX | $216.25 | XX/XX/XXXX | Annually | 54.53% | 54.97% | 54.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 18 | 18 | FNMA 1005 |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 654 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 16949.08 | 8.4 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXXX | 20250707004 |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V 2 | XX/XX/XXXX | ATR Risk: Lender did not document all ATR UW Factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 4.170% | Manual Underwriting | Manual Underwriting | No | 4.226% |  | 4.000% | 4.000% | $544.26 | No | $3758.28 | $313.19 | $1059.96 | $88.33 | $1524.00 | $127.00 | $0.00 | $1072.78 | $2905.61 | Yes | XXXX | XX | $127.00 | XX/XX/XXXX | Monthly | 40.47% | 40.47% | 40.47% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2016, 2015, 2014 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2016, 2015, 2014 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 7758.78 | 7.2 | No | 71.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXXX | 20250707005 |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | V 2 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 4.590% | Manual Underwriting | Manual Underwriting | No | 4.808% |  | 4.750% | 4.750% | $1304.11 | No | $4438.68 | $369.89 | $2019.24 | $168.27 | $2856.00 | $238.00 | $0.00 | $2080.27 | $2541.11 | N/A | XXXX | XX | $238.00 | XX/XX/XXXX | Monthly | 45.77% | 46.09% | 46.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA | N/A | 0 |  |  | 2 | 2 |  |  | 1 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2017, 2016 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2017, 2016 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.44 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXXX | 20250707006 |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XX/XX/XXXX | 2 | XX/XX/XXXX | ATR Risk: Lender did not document all ATR UW Factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 4.080% | Manual Underwriting | Manual Underwriting | No | 4.796% |  | 4.500% | 4.500% | $1285.19 | No | $2943.96 | $245.33 | $897.96 | $74.83 | $0.00 | $0.00 | $0.00 | $1605.35 | $409.07 | N/A |  |  | $0.00 |  |  | 48.56% | 86.56% | 86.56% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 0 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, SSI and Disability - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified - 2018, 2017, 2016 \|\| Co Borrower - SSI and Disability, SESoleProprietor - 1 YR Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified - 2018, 2017, 2016 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2150.59 | 1.3 | 2150.59 | 1.3 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | XX/XX/XXXX |

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| **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraisal Type** | **Primary Appraised Value** | **LTV** | **Value for LTV** | **CLTV** | **LTV** | **CLTV** | **Primary Appraisal Date** | **Loan Reviewed Product Type** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Loan Collateral Advisor Risk Score Date** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Collateral Underwriter Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXXX | 20250707001 |  | XX/XX/XXXX | $XX,XXX.XX |  | 0 | 1004 URAR | $XX,XXX.XX | 47.22 | $XX,XXX.XX | 47.22 | 47.22 | 47.22 | XX/XX/XXXX | Collateral Underwriter (CU) | $XX,XXX.XX | $XX,XXX.XX | XX.XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.1 |
| XXXXX | 20250707002 |  | XX/XX/XXXX | $XX,XXX.XX |  | 0 | 1004 URAR | $XX,XXX.XX | 69.19 | $XX,XXX.XX | 69.19 | 69.19 | 69.19 | XX/XX/XXXX |  |  |  |  | Broker Price Opinion (BPO) | $XX,XXX.XX | $XX,XXX.XX | XX.XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XX,XXX.XX | $XX,XXX.XX | XX.XX% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3 |
| XXXXX | 20250707003 |  | XX/XX/XXXX | $XX,XXX.XX |  | 0 | 1004 URAR | $XX,XXX.XX | 85.0 | $XX,XXX.XX | 85.0 | 85.0 | 85.0 | XX/XX/XXXX |  |  |  |  | Broker Price Opinion (BPO) | $XX,XXX.XX | $XX,XXX.XX | XX.XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XX,XXX.XX | $XX,XXX.XX | XX.XX% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 20250707004 |  | XX/XX/XXXX | $XX,XXX.XX |  | 0 | 1004 URAR | $XX,XXX.XX | 71.7 | $XX,XXX.XX | 71.7 | 71.7 | 71.7 | XX/XX/XXXX | Collateral Underwriter (CU) | $XX,XXX.XX | $XX,XXX.XX | XX.XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2 |
| XXXXX | 20250707005 |  | XX/XX/XXXX | $XX,XXX.XX | $XX,XXX.XX | 0 | 1004 URAR | $XX,XXX.XX | 69.44 | $XX,XXX.XX | 69.44 | 69.44 | 69.44 | XX/XX/XXXX | Loan Collateral Advisor (LCA) | $XX,XXX.XX | $XX,XXX.XX | XX.XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | 1 |  | Not Eligible |  |
| XXXXX | 20250707006 |  | XX/XX/XXXX | $XX,XXX.XX |  | 0 | 1004 URAR | $XX,XXX.XX | 80.0 | $XX,XXX.XX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $XX,XXX.XX | $XX,XXX.XX | XX.XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2 |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXX | 20250707001 |  | Borrower 1 First Name | notePage | XXXX | XXXX | Audit Value Pulled From Note. |
| XXXXX | 20250707001 |  | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Audit value pulled from documents located in the loan file. |
| XXXXX | 20250707003 |  | Borrower 1 Last Name | notePage | XXXX | XXXX | Audit Value Pulled From Note. |
| XXXXX | 20250707003 |  | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Audit value pulled from documents located in the loan file. |
| XXXXX | 20250707003 |  | CLTV | propertyValuationPage | 86.49 | 85.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXX | 20250707004 |  | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Audit value pulled from documents located in the loan file. |

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